Credit Relationship Officer at Karibu Kenya Ventures Ltd (KKVL)

Job Summary

Responsible for delivering excellent business performance through aggressive marketing of company products ensuring optimum productivity, high quality / yielding loan book, operational efficiency and outstanding relationship management

Key Responsibilities

• Business sales relationship and growth of savings and Loan security Fund
• Conduct loan appraisals for customer applications and recommend disbursements to management.
• Effective monitoring of loan repayments and mitigating risks related to defaults and maintaining PAR at set standard
• Reduction of operating costs and ensure prudent utilization of resources
• Grow active customers in line with the business plan/projection by aggressively marketing financial products in line with the given targets.
• Keep abreast of new development in customer preference and advices management on relevant changes.
• Manage customer relations under personal portfolio and ensure lasting relations are established with all clients.
• Ensure that all conditions pertaining to disbursements are fulfilled prior to disbursement requests being processed.
• Ensure compliance and  adherence to set policies & procedures in all operations
• Ensuring compliance of KYC policies especially during the account opening procedure.
• Being a good team player and working together with other departmental staff.
• Generate and present Actual vs. Projections report for information  & decision making by management

Knowledge & Skills Required

• Bachelors’ degree in accounting, finance, banking, business, or a similar field.
• Strong communication skills and customer service experience.
• Exceptional analytical skills and the ability to work with complicated financial data.
• Excellent organizational skills and the ability to work well under pressure.
• Strong ethical behavior and the ability to work with sensitive financial information.
• Basic computer skills and a quick learner
• Credit Operations & SME evaluations experiences from a bank or Fintech environment an added advantage
• Proficiency in excel skills or working with spreadsheets
• Ability to manage multiple projects and self-drive toward targets while ensuring quality output and prioritization.
• Team player who demonstrates positive attitude, creativity, energy, dedication to collaboration and patience and with a high degree of integrity
• Attention to detail
• Excellent verbal and written communication and interpersonal skills