Credit Analyst Job in Kenya


  • Receiving, Registering, Processing and appraising of loan applications from members.
  • Ensure accuracy and completeness of loan application forms received from members
  • Authenticate documentation presented for all credit applications and ensure they comply with the credit policy
  • Assess customer loan applications and make recommendations.
  • Provide member support during loan applications.
  • Support members and other stakeholders on general inquiries on loans.
  • Offer members with alternative solution if they cannot qualify for the applied loan category or levels.
  • Handle member complaints and take appropriate action to resolve them.
  • Ensure all applicants are advised on the fate of members applications promptly
  • Advise Credit Officer on demand for loans.
  • Build and maintain professional relationships with the contact person in the member organizations.
  • Preparing and submitting remittance advices to members and payroll officers upon disbursement of members’ loans and advising them on deductions to be cleared.
  • Keeping the time frame for the appraisals of loans
  • Advise members on use of securities (Collateralization of high risk accounts)
  • Engage in clearance for members exiting the Sacco
  • Ensure check-off adjustments (for check-off loans) are done accurately and promptly, and ensuring monthly reconciliations of the employer accounts.
  • Generate CRB reports for loan applications, review and advise applicants as appropriate.

  • Guarantor substitution and management
  • Implement Aggressively strategies to collect loan repayments from customers and groups
  • Monitor and follow-up collections for loans in default
  • Maintain the PAR at the approved limits at the Sacco
  • Enhance customer relations and provide excellent customer experiences in Credit operations
  • Any other duty assigned by the management from time to time.

Job Competencies (Knowledge, Experience and Attributes / Skills).

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


  • A Diploma in Accounting/Finance/Co-operatives Management or a Business-Related Degree from a recognized university
  • CPA IV or Credit Management Certification
  • A minimum of 3 years’ experience in a busy financial institution

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 with a clear subject line “JOB TITLE”. Female candidates are highly encouraged to apply. Only shortlisted candidates will be contacted.   Applications should reach us no later than 8th July 2024.