Job Title: Micro-Credit Analyst (Field Officer) Job Code: SJ/19 Division: Operations Function Reports to: Credit Officer Location: Kisumu & Nairobi Travel Required: When advised or necessary Work Pattern/Hours: As per the Sacco’s HR Policy. Full time Terms: 2-year contract, renewable on performance Role Purpose 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
How to Apply
We are an equal opportunity employer and value diversity in our organization, all interested applicants should send their applications together with a detailed Cover letter and CV to [email protected] with a clear subject line Micro-Credit Analyst (Field Officer)–(Location) e.g., Micro-Credit Analyst (Field Officer)– Kisumu if you are applying for the Kisumu region. Female candidates are highly encouraged to apply. Only shortlisted candidates will be contacted. Applications should reach us no later than 27th July 2025. Experience in assessing business credit risk and appraising business loans