Senior Credit Officer Job Chai Sacco
Finance Jobs. Chai Sacco Jobs
Purpose of the Job
Provide comprehensive recovery of all debts by using a holistic approach and ensure maintenance of accurate member records.
Duties and Responsibilities
Operational Roles and Responsibilities
- Facilitate loan processing through the following ways:
- Process loan application through evaluation and documentation to confirm credit worthiness.
- Verification of loan documents by capturing of the information in the system to enable automated system loan appraisal.
- Conduct loan appraisal through the verification of the accuracy of all the information as captured during the application process, guarantors and the attached pay slips.
Loan rejection and explanation of deficiencies to applicants.
- Ensure proper recording of processing documents.
- File and document all paperwork related to loan applications.
- Assist in the development and maintenance of sound loan processing procedures.
- Advice members on loan products.
- Prepare management reports on loan processing as require
- Mange customer enquiries and complaints pertaining to loan processing on time.
- Ensure that all securities/collaterals are perfected, charged, recorded and maintained under lock and key
- In consultation with credit manager, undertake periodic review of securities held against all non-performing facilities in order to ensure these are perfected and that no dilution happens during the debt recovery period.
- Ensure timely disbursement of approved loans in liaison with finance department.
- Ensure the recovery of outstanding amount and ensuring the process of realization of securities is handled procedurally in order to avoid delay through intermittent ligation while at the same time ensure that the defaulting client’s rights are respected in order to avoid potential risk exposure to society through litigation or adverse publicity. Approve loans within the limit and facilitate further approval for loans above the limit.
Perform any other duties as may be assigned from time to time.
Job Specifications
Education
- Bachelors degree in Business or related field
- CPA (K)/ACCA/CCP Qualification
- Membership in a professional body
Skills Required
- Computer literacy skills with experience working with Accounting Packages (remove)
- Demonstrated experience in computers
- Strong strategic advisory and analytical skills
- Fluent in English with excellent communications, presentation and interpersonal skills
Minimum Experience Required
- 5 years work experience in credit role
How to Apply
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