Micro-Credit Analyst (Field Officer) at Shining Hope For Communities

Reporting to the Micro-Credit Officer, the individual will be responsible for the recruitment of new customers, groups, managing existing business clientele, maintaining a quality loan portfolio, and cross selling the Sacco products. This role is focused to recruit, maintain, and grow the MSME and groups financing portfolio at the Sacco.

Key Responsibilities

• Receive loan forms from members and register all loan applications for further processing and appraising of business loan applications.
• Support members and other stakeholders on general inquiries on loans.
• Providing member support during loan applications.
• Offer members with alternative solution if they cannot qualify for the applied loan category or levels.
• Verify applicant’s business information and assess ability to repay loans.
• Authenticate documentation presented for all loan applications and ensure completeness and compliance with the credit policy
• Field visits to validate applicants business/household information and their physical locations
• Accurate field visits report to support business/group loan applications
• Ensure all applicants are advised on fate of applications promptly
• Keep the SLAs for the appraisals on loans
• Advise members on use of securities (Collateralization of high-risk accounts)
• Generate CRB reports for loan applications, review and advise applicants as appropriate.
• Manage Guarantor/collateral substitution
• Enhance customer relations and provide excellent customer experiences in Credit operations
• Advise Micro-Credit Officer on demand for loans.
• Implement Aggressively strategies to collect loan repayments from customers and groups
• Monitor and follow-up collections for loans in default
• Strictly adhere to the sacco operating policies and procedures in all dealings
• Adhere to general regulatory procedures including AML as it pertains to “know your customer.”
• Any other duty assigned by the management from time to time.

Essential Skills and Key Attributes

• Familiar with Sacco laws and regulations
• A person of integrity, team player with effective communication skills
• Sound judgement and decision-making ability on lending across all sectors
• Excellent in analytical, interpersonal and team management skills
• Experience in working with targets and tight deadlines with minimal supervision
• Experience with managing group lending and business loans

Qualifications and Experience

• Business-Related Degree from a recognized university or a Diploma in Accounting/Finance/Co-operatives Management or
• CPA IV or Credit Management Certification
• A minimum of 3 years’ experience in a busy financial institution
• Experience in a micro-finance environment is desirable