About MESPT: Micro
Enterprises Support Programme Trust (MESPT), was established in the year 2002
with the aim of supporting the growth of micro, small and medium enterprises by
providing integrated business solutions for sustainable development.
The Trust is a multi-donor entity jointly founded by the
Government of Kenya and the European Union who later relinquished their
position to the Royal Danish Embassy in Kenya, Ministry of Foreign Affairs of
Denmark (DANIDA).
The organization is anchored on three (3) pillars namely:
o Green
Growth: Promotion of Resource Efficient, Clean and Climate Sensitive
Technologies & Solutions
o Enterprise
Development: Market Development for MSMEs through a value chain approach to
enhance effectiveness
o Value
Chain Development: Inclusive and Holistic View of the Micro-Enterprise.
As part of its expansion programme, MESPT is seeking to augment
its existing team with a highly motivated professional for the following
position;
Job Title: Credit &
Business Development Officer
Position Reports to: Head of Credit & Business Development
Job Purpose: To
effectively handle credit functions and operations in order to ensure growth of
the portfolio in the defined region of coverage and a quality loan book.
The responsibility is also on recruiting of clients and visiting
prospective clients and business to assess credit worthiness.
Key Duties & Responsibilities:
o Identification
of potential borrowers and process their loan applications
o Assess
loan requests or commercial credit applications through interviews with
applicants and checking application forms, references, credit ratings, credit
scores, pay slips and other information.
o Recommend
approval of loans and credit applications within policy guidelines and Head of
Credit & Business Development approval
o Prepare
papers setting out conditions and periods of loans, rates of repayment and the
setting out of trading terms.
o Prepare
reports of loans and accounts which have outstanding (unpaid) amounts to share
with the debt recovery
o Ensure
portfolio Loan disbursement according to policy and in consultation with the
portfolio Finance Officer
o Prepare
reports on credit ratings of customers
o Prepare
appraisal reports for consideration by the Credit Committee
o Assist
with regular monitoring of approved Loans.
o Prepare
quarterly and annual reports on performance of the portfolio.
o Ensures
maintenance of accurate client records
o Develop
business plans for lending as a requirement for seeking loans and thereafter
guides operations;
o Ensures
that partner institutions offering credit to farmers and SME respond to market
needs;
o Administers
company credit application process by reviewing the credit application and
establishing lines of credit.
o Conduct
financial analysis including third party report review and makes
recommendations for approval.
o Assist
with regular monitoring of approved Loans.
o Ensures
preparation of quality assessment notes appropriately highlighting relevant
risks in the SME & Medium enterprise portfolio loan applications (e.g.
market risk, business risk, and financial risk) and incorporating suitable
mitigates covenants, and term and conditions & making suitable
recommendations to the approving authorities.
o Prepares/supervises
Credit Appraisal / Assessment Notes, with recommendations to approving
authorities.
o Highlight
and update the approving authorities of any changes in the risk profile based
on important risk indicators (financial, market, transactional, etc.)
o Opens
new accounts
o Prepare
reports of loans and accounts which have outstanding (unpaid) amounts to share
with the debt recovery
o Where
a credit decision is required escalates the application to the next authority
for direction, review, comment and approval.
Academic Qualifications / Skills requirements
o Degree
in Business related field, Economics, Agribusiness, Finance or equivalent
o At
least 5 years post-qualification experience in the financial sector with
exposure in SME lending.
o Good
communication and interpersonal skills.
o Sound
financial analytical skills
o Good
negotiation, decision-making and problem-solving skills.
o Ability
to handle pressure and work with minimum supervision
o A
team player with the drive to improve performance
How to Apply:-
Qualified and interested candidates should send their
application letters, detailed CV with email address, daytime telephone
contacts, names and email contacts of 3 professional referees, with one being
the current supervisor to jobs@mespt.org quoting Job Reference and Job Title in
the subject line.
Applicants must indicate their current and expected salaries in
their application letters.
Please do not send certificates at this stage.
Deadline for applications is 30th November 2016
MESPT is an equal opportunity employer (EOE) and committed to
Gender Equity and Diversity.
Female candidates are strongly encouraged to apply.
Only shortlisted candidates will be contacted