Microcredit Officer at KUSCCO Ltd

Job Reference No. REF: IG-MCO 004/2023

JOB SPECIFICATIONS

• Developing and implementing credit Policies, Procedures and Strategies;
• Designing an institutional development plan that will result in an efficient micro credit program;
• Recruiting and training selected groups about available products and services;
• Facilitating disbursement of loans to identified groups based on the analysis of their applications in a time efficient manner and prepare payment plans;
• Receiving potential clients and conduct an initial assessment and assist clients in completing applications;
• Identifying and implementing partners, their capacity building and training needs as they correlate with microfinance;
• Monitoring groups operations and purpose to attend weekly/monthly group meetings to keep abreast and follow up of all the activities;
• Promote business growth by selling IG Sacco products and services to current and potential customers to ensure profitability;
• Maintaining a quality loan book by ensuring timely repayment of Sacco products;
• Monitoring the progress and performance of the existing loans;
• Following up with clients about loan renewals;
• Assessing creditworthiness and the risks involved;
• Calculating accurate financial ratios i.e credit scores and interest rates;
• Preparing and submitting timely and reliable credit reports to assist in decision making and evaluation; and
• Performing any other relevant duties as may be assigned from time to time. 

PERSON SPECIFICATIONS.

• Diploma in Credit Management.
• CPA Part II
• Other related professional qualifications will be an added advantage. 
• Previous experience of working with an ERP system preferred.
• Proficiency in computer applications.
• Minimum two 2 years’ relevant experience in the financial institution

DESIRED SKILLS AND COMPETENCIES:

• Integrity, team player with effective communication skills.
• Excellent organizational skills
• Results driven and customer focused
• Exemplary integrity and honesty
• Excellent communication and interpersonal skills
• Proactive and initiative.
• Self- motivated and be ready to work with minimum supervision
• Customer focused – striking a solid balance between external and internal customer orientation.