One of our clients, a medium sized Savings and Credit Co-operative Society (SACCO) in Mombasa, has retained us to recruit and fill the following position;

CREDIT OFFICER

 Job description
Reporting to the Credit Manager , the main functions of the Credit Officer will entail;
i.    Ensure that the credit/loan is strictly adhered to in loan processing.
ii.    Perform appraisal of loans and work out members’ entitlement and amount granted.
iii.    Recommend loan application to be forwarded to credit committee for approval.
iv.    Reject loans and explain reasons for the same for ratification by the credit committee.
v.    Responsible for the preparation of files for the credit manager to present to the credit committee meeting.
vi.    Attend to members queries as concerns loans applications.
vii.    Advice management through the Credit manager on demands for loans.
viii.    Assist the credit committee in developing sound credit policies.
ix.    Ensure that members whose applications have been deferred or rejected from loan office for not conforming to the loans policy are promptly advised.
x.    Ensures that all members’ correspondences on loans, withdrawals and membership are promptly attended to.
xi.    Growing non-withdrawable deposits/savings.
xii.    Maintaining loan register.
xiii.    Maintaining guarantors’ records.
xiv.    Ensure efficient and prompt recovery of loans disbursed and interest accrued.
xv.    Maintaining confidentiality of members’ loan information.
xvi.    Drafting demand notices to loan defaulters.
xvii.    Preparation of monthly insurance premium schedule for submission to the insurance company.
xviii.    Preparation and generation of loan schedules and statements.
xix.    Preparing monthly reports for the Board.
xx.    Ensuring that all loans comply with lending regulations and policies of the Society; and
xxi.    Any other lawful duties as may be assigned from time to time.

Job Qualification
For appointment to this grade, a candidate must have:-
I.    A Business related degree or its equivalent from a recognized university and CPA 2 or its equivalent or CPA 2 and has satisfactorily served as a credit Officer in the Society or a comparable position with similar responsibilities in a Sacco or in a similar organization.
II.    Minimum of 4 years of relevant experience.
III.    A diploma in Cooperative Management will be an added advantage.
IV.    Have demonstrated high financial management capability and investment.
V.    Have good knowledge of information Technology.

Job Specification
a)    Effective listening, verbal and written communication skills.
b)    Judgment and decision-making ability.
c)    Accuracy and attention to detail.
d)    Demonstrated integrity and ethical standards.
e)    Able to handle difficult customers with diplomacy and tact.
f)    Problem-solving and analytical ability.
g)    Manages time effectively and adapts quickly to changing priorities.
h)    Team player who works productively with wide range of people.
i)    Capable of following written instructions and documented procedures.
j)    Able to read, analyze and interpret financial statements.
k)    Good Knowledge of Microsoft Office Suite.

Interested candidates meeting the above requirements should apply online following the two (2) step procedure below;

1.      By filling in the data form from the link https://forms.gle/NgXkCBswDkdAYfNK8

2.      Followed by Sending an Application Letter with a detailed Curriculum Vitae (CV) to recruitment@kuscco.com.

Applications close on 10^th May 2019. Only shortlisted candidates will be contacted.