Credit Analyst Job Opening

The Job Advert- Credit Portfolio Officer

Reporting to the branch manager, the Credit Portfolio Officer will be responsible for:
i. Managing the assigned portfolios.
ii. Ensure proper loan analysis and appraisal
iii. Guarantee proper loan monitoring.
iv. Deliver superb customer relationship management.
v. Ensure efficient collection of outstanding loans to maintain the recommended PAR levels.

KEY RESPONSIBILITIES

• Conduct thorough due diligence and checks before disbursing a facility and there
  after engaging clients for post-review dynamics in the event circumstances changes.
•  Loan analysis- collect, verify, and analyze information to help in determining
  whether the borrower qualifies for the facility given his/her personal entrepreneurial
  business/venture skills, macro-economic market outlook and the amount of their
  investments/equity in their businesses/ventures.
• In collaboration with the Credit Manager –review and update the qualification of
  risk during the analysis of the credit proposal and during the life of the loan once
  disbursed.
• Support the execution of ‘’due diligence’’ of businesses in every stage of the loan’s
  application to ensure well informed decision making and qualification of the risk
  involved. Critically analyze the financial statements and apply financial, commercial,
  environmental, and social criteria to the actual and considered credits, providing
  recommendation for payment, and monitoring of disbursed loans.
• Loan appraisals- examine a customer’s capability and
  securitization/collateralization, subjecting the borrower to a rigorous
  business/personal checks with the aim of determining whether the client has current
  or potential cash flows to make good the loan obligation and whether the client has a
  collateral/security in the event of adversity.
• Client relationship – continual interaction and communication with clients, in
  collaboration with the Business Development Department enhance value addition to
  clients through skills enhancement at their establishments & farms, and more so
  resolving their complaints regarding the SACCO facilities and services.
•  Loan monitoring- post-loan analysis & appraisal that may lead, if necessary, to
  restructuring and rescheduling of the facilities in case of change e.g. a disruption in
  macro-economic business environment.
•  Debt collection – Where some facilities fall due in a portfolio follow the best remedial
  strategies of communication through mobile phones, emails, demand letters and
  ultimately guarantorship, and collateralization.
•  Monitoring of Portfolio at Risk (PAR) in the assigned portfolios and advising
  management on areas of concern
• Ensuring collection and recovery systems are compliant with all relevant legislation
  and regulatory requirements.
• Ensure Client contract compliance in line with loan agreement/ approved terms and
  conditions.
• Prepare daily and monthly reports and any other report as may be required by the
  Management

KNOWLEDGE, SKILLS AND EXPERIENCE

• Formal Education:
  i.Bachelor’s degree in a Business-related field.
  ii.Professional credit qualification e.g. Certified Credit Professional (C.C.P or C.P.A (persons currently pursuing will be considered)
• Skills
  (i) Technical Skills
  i.Excellent Analytical skills
  ii.Excellent Report writing skills
  iii.Good Negotiation skills
  iv.Superb Customer service skills
  v.Good Planning and Organizing skills
  (ii) General/Core skills
  i.Good Interpersonal skills
  ii.People management skills
  iii.Problem solving skills
  (iii) Experience required
  At least 2 years’ experience.