Position: Credit Control Officer
- In charge of growth and quality of micro-credit sector.
- Enforcement of overall micro-credit strategies.
- Ensure proper filing of micro-credit documents and files.
- Conducting marketing in the branch to recruit more customers.
- Reviewing and analysing the client’s credit risk status and offering expert advice to the risk assessment committee.
- Maintaining and observing an acceptable turnaround time for the various loan products as defined in the service level agreements with the various credit section.
- Enforcement of compliance to all credit policies and procedures
- Loan monitoring and risk management with aim of avoiding credit defaulters and interest suspension.
- Developing and maintaining relationships with strategic partners and potential client with aim to increase and maintain the banks credit base.
- Conducting marketing activities to recruit more customers and maintain business relationship.
- Conducting borrower preliminary interview
- Visit to the business and preparation of call report
- General business assessment
- Preparation of credit appraisal
Qualifications and Experience
- University degree in finance, economics, statistics or a business related field.
- Professional banking qualifications is a plus.
- Experience in lending and customer care.
- Financial/credit risk related training.
- Experience in Micro-Finance Institution (MFI) at an officer level an added advantage
- Be able to understand and implement processes and procedures.
- Understand and implement credit processes.
- Lending and customer care experience to create a balance between credit risk and customer service..
- Demonstrate a high degree of sensitivity, confidentiality and integrity when dealing with internal and external customers.
- Management and leadership ability: Have excellent interpersonal, organizing and people management skills.
- Excellent communication and presentation skills, with outstanding reporting skills..
- Results oriented with excellent communication and social skills. A forward planner with clear focus, mature, reliable, hardworking and able to work without supervision.
- Honest and with high integrity.