CREDIT OFFICER

Duties & responsibilities

●     Ensuring an effective and efficient system of receiving, recording and appraising members’ loans.

●     Analysing and verifying applicant’s financial status, personal and business information to determine feasibility of granting loans and advising members accordingly.

●     Liaising with the CEO in coordinating credit sub-committee meetings by availing the required information, reports and duly appraised loan forms for consideration.

●     Preparing documentation for disbursing funds to successful applicants as per the applicant’s request.

●     Ensure efficient and prompt recovery of loans disbursed and interests accrued.

●     Preparing timely reports and recommendations to the credit committee on all aspects of credit functions.

●     Ensure maintenance of a good filing system for all credit/loan documents.

●     Check on the non-performing loans, communicate to members and guarantors and make follow up.

●     Coordinate debt collection, negotiate payment arrangements with members who have delinquent loans.

●     Advice on credit policy according to the market trends.

●     Prepare loan book analysis and performance on a monthly basis.

●     Handle customer complaints and take appropriate action to resolve them.

●     Any other duties as may be assigned by the manager from time to time.

Qualifications for the credit officer job

●       Bachelor's Degree in Business related studies

●       CPA 11

●       Computer skills

●       Strong analytical skills, excellent communication, negotiation skills, focused, self-driven.

●       Good conduct

●       At least 3 Years of experience in the financial/cooperative sector/microfinance and banking industry in a similar or senior position.

●       Should be able to communicate effectively and manage multiple tasks.

●       Should be an individual of high integrity and confidentiality.

Interested candidates should apply by filling the link https://forms.gle/2f2R6CBnoir92Ssf9  and sending their applications (via email to recruitment@kuscco.com by 28^th December,2021. Only qualified candidates will be shortlisted. Canvassing will lead to immediate disqualification.