Credit Officer at PesaKit

Job Description

We are looking for a Credit Officer to facilitate lending for our clients by assessing creditworthiness as well as monitoring our loan portfolio and reviewing our loan processes. Your responsibilities as a Credit Officer will include reviewing loan applications, evaluating clients’ financial information and evaluation of loan risks. To be successful in this role, you should have a good understanding of lending procedures and customer service experience. Ultimately, you will help our clients acquire loans in a timely manner, while ensuring we minimize loan default risk. 

Responsibilities

1. Review loan requests;
2. Assess clients’ financial status;
3. Evaluate creditworthiness and risks;
4. Contact potential clients to gather financial data and documentation;
5. Analyze risks and approve or reject loan requests;
6. Calculate financial ratios, loan metrics;
7. Follow up with clients about loan renewals;
8. Receive feedback of MSME clients for product enhancements and new product requirements;
9. Monitor progress of existing loans and loan portfolio. 

Requirements

1. At least 2+ years of proven work experience as a Credit Officer, Loan Officer or similar role;
2. Experience in MSME lending would be an added advantage;
3. Hands-on experience with lending procedures and products;
4. Ability to create and process financial spreadsheets;
5. Strong analytical skills;
6. Customer service experience;
7. BSc in Banking and Finance, Economics, Business Administration or related field.