Credit Officer at Commodities Fund

JOB GRADE COMFUND IV COMFUND/CRO/04/2023

Overall Job Purpose:

• Reporting tthe Manager Credit, the Credit Officer is responsible for the entire credit 
• administration process, including the consistent application of a credit policy, periodic 
• credit reviews of existing customers, and the assessment of the credit worth of applicants & collections tmeet set targets & minimize Portfoliwhile maximizing volumes, sustainability and profitabilityCredit Officer Job Responsibilities
• Manage the business relationships & portfoliof intermediaries while growing a high quality loan book.
• Receive and appraise credit applicants and proposals from farmers and make appropriate recommendations
• Ensure appropriate securities documentation in line with the Fund’s Credit RiskManagement policy.
• Liaise with the Finance department for disbursements tfarmers;
• Design appropriate field monitoring missions involving the farmers within their catchments and submit timely reports.
• Develop a loan recovery programme for outstanding loans and ensure timely remittance of repayment tthe Fund and provide recommendations on strategy tadopt with respect tdefault cases.
• Contribute tproduct development tensure that credit risk exposure is minimized
• Review the loan portfolion a regular basis and give recommendation on areas of improvement or remedy
• Keeping abreast of issues related tcompliance, legal, and market-risk involved in the endorsement of credit
• Manage assigned projects within the Credit department;
• Any other official duties that may be assigned from time ttime by the supervisor

Qualifications & Experience

• A Bachelor’s degree in Commerce, Finance, Agribusiness or its equivalent from a recognized university
• Post graduate qualification in Credit Management or its equivalent is an added advantage
• Relevant professional qualifications e.g. CIFA, CPA, ACCA, CCP (at least part II)
• At least three (3) years working experience in credit Appraisal & Administration in a reputable financial institution
• Experience in working with an Enterprise Resource is an added advantage
• Be a Team player, approachable, self- motivated and Strong Credit Analytical skills
• High level of integrity and honesty.
• Good written and verbal communication skills and negotiation skills