Job Title: Credit Officer
Location: Nairobi, Kenya
Reports To: Credit Manager
About Sanergy:Sanergy is an award-winning
social venture that builds healthy, prosperous communities by making hygienic
sanitation accessible and affordable in Africa’s urban informal
settlements.
We provide critical support services – such as access to
finance, business analytics, training, and marketing. We collect the waste
regularly and safely remove it from the community. We convert the waste into
valuable by-products, such as organic fertilizer and renewable energy. Finally,
we sell the by-products to Kenyan farms.
Since November 2011, we have launched nearly 700 Fresh Life
Toilets to a network of more than 300 Fresh Life Operators. We have collected
and converted over 3,500 tons of waste. At the same time, we have built a team
of over 200 people.
For our work, we have been recognized by Fast Company as one of
the 10 Most Innovative Companies in the World Doing Social Good and one of the
10 Most Innovative Companies in Africa.
Responsibilities: The Credit Officer
will be a member of Credit Team for the Fresh Life network.
In partnership with Kiva, and in collaboration between our Sales
& Operations Team and Finance Team, the Credit Team offers loans to
prospective Fresh Life Operators.
The Credit Officer will be fully responsible for loan appraisal
and management.
This includes loan initiation, credit monitoring, and delinquency
management.
Key Accountabilities
- Interview, analyze and recommend customers for
loans to the credit committee
- Conduct due diligence by assessing the customers’
assets, creditworthiness and collateral provided
- Preparation and presentation of reports to the
Credit Manager on a weekly basis
- Liaise with Credit Manager to maintain loan
schedule and perform portfolio at risk analysis on a weekly basis
- Assist customers in completing the loan
application
- Collecting and entering the profiles for Kiva
loans
- Responsibility for performance of assigned loan
portfolio
- Ensuring timely collection of loan repayments
- Follow up on payment on overdue customer accounts.
- Issuing receipts and reports to Fresh Life
Operators regarding account status
- Updating internal payment accounts
- Other duties as assigned
Key Deliverables
- PAR 2% 30 days
- Portfolio and client status reports
- Loan application presentations to Credit Committee
- Weekly/periodic client visits
Requirements
- Bachelor of Commerce or other business related
degree from a recognized university
- Credit Experience in small, medium or large MFI
having managed a portfolio of at least 200 customers and Kshs. 5 Million
- 2 years micro-credit experience in group and
individual lending
- Experience and knowledge of credit evaluation
- Debt collection experience
- Proficiency in MS Office Suite
- Good financial analytical skills and attention to
detail.
- Good communicator (oral/written in English &
Swahili)
- A team player with great presentation skills
More fundamentally, we believe that we
are on the cusp of transformative change, and we seek people who believe their
skills will bring about that transformative change.
We welcome your application-cover letter and CV
CLICK HERE to submit your application online