Microcredit Assistant at Winas Saving And Credit Co-operative Society Limited

Duties and responsibilities

• Assisting in identifying and forming of micro finance groups and training;
• Participating in training of groups;
• Making group visits;
• Carrying business assessment for loan applications;
• Appraising loan applications in strict conformity with the micro finance policy;
• Tracking loans and making follow-ups on defaulted loans;
• Ensuring reconciliation of group accounts are done regularly;
• Mobilizing resources for expansion and growth of micro finance program;
• Ensuring proper business assessment is done for all loan applications;
• Writing monthly micro credit reports for the groups;
• Ensuring micro credit loan applications are properly and accurately appraised;
• Closely monitoring business performance of loanees and detect early any signs of defaulting;
• Ensuring strict adherence to micro credit policy in loan granting and loan administration.
• Advising the supervisor on the lending rates after careful consideration of the cost of the deposits used in lending;
• Ensuring all micro credit loan applications are promptly submitted for approval;
• Facilitating groups to keep accurate records and in particular to regularly reconcile group accounts records;
• To ensure proper maintenance of members records and in particular members files, registers and member accounts;
• Ensuring proper management of micro finance loan portfolio;
• Performing any other duties that may be assigned.

KEY QUALIFICATIONS AND COMPETENCIES

Academic & Professional Qualifications

• Minimum Kenya Certificate of Secondary Education (C) Plain
• Diploma in credit management or related course.
• Minimum CPA section 11
• Age 28 – 35 years

Experience:   

2 to 3 years’ experience as an micro credit assistant or small lending, preferable within a Sacco or micro finance institution or a bank