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:
·
Green Growth: Promotion of Resource
Efficient, Clean and Climate Sensitive Technologies & Solutions
·
Enterprise Development: Market
Development for MSMEs through a value chain approach to enhance effectiveness
·
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:
·
Identification of potential borrowers
and process their loan applications
·
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.
·
Recommend approval of loans and
credit applications within policy guidelines and Head of Credit & Business
Development approval
·
Prepare papers setting out conditions
and periods of loans, rates of repayment and the setting out of trading terms.
·
Prepare reports of loans and accounts
which have outstanding (unpaid) amounts to share with the debt recovery
·
Ensure portfolio Loan disbursement
according to policy and in consultation with the portfolio Finance Officer
·
Prepare reports on credit ratings of
customers
·
Prepare appraisal reports for
consideration by the Credit Committee
·
Assist with regular monitoring of
approved Loans.
·
Prepare quarterly and annual reports
on performance of the portfolio.
·
Ensures maintenance of accurate
client records
·
Develop business plans for lending as
a requirement for seeking loans and thereafter guides operations;
·
Ensures that partner institutions
offering credit to farmers and SME respond to market needs;
·
Administers company credit
application process by reviewing the credit application and establishing lines
of credit.
·
Conduct financial analysis including
third party report review and makes recommendations for approval.
·
Assist with regular monitoring of
approved Loans.
·
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.
·
Prepares/supervises Credit Appraisal
/ Assessment Notes, with recommendations to approving authorities.
·
Highlight and update the approving
authorities of any changes in the risk profile based on important risk
indicators (financial, market, transactional, etc.)
·
Opens new accounts
·
Prepare reports of loans and accounts
which have outstanding (unpaid) amounts to share with the debt recovery
·
Where a credit decision is required
escalates the application to the next authority for direction, review, comment
and approval.
Academic Qualifications / Skills requirements
·
Degree in Business related field,
Economics, Agribusiness, Finance or equivalent
·
At least 5 years post-qualification
experience in the financial sector with exposure in SME lending.
·
Good communication and interpersonal
skills.
·
Sound financial analytical skills
·
Good negotiation, decision-making and
problem-solving skills.
·
Ability to handle pressure and work
with minimum supervision
·
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