Senior Relationship Officer Credit Job Dimkes Sacco
Finance Jobs. Dimkes Sacco Jobs
Role Purpose Statement:
The Senior Relationship Officer- Credit oversees and coordinates all credit operations at the branch level, ensuring high-quality loan appraisal and administration, adherence to credit policies, and effective portfolio management, while supporting branch growth and maintaining asset quality.
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Key Responsibilities:
Credit Appraisal & Approval Support
- Supervise appraisal of loan applications at the branch to ensure compliance with SACCO credit policies and procedures.
- Review affordability, guarantorship, collateral, and repayment capacity before approval.
- Make recommendations to the Branch Credit Committee or approving authority as per approval limits.
- Ensure adherence to delegated lending authority and escalation procedures.
Loan Processing & Administration
- Oversee receipt, verification, and processing of loan applications at branch level.
- Ensure completeness and accuracy of loan documentation before submission or disbursement.
- Confirm accurate data capture into the core banking system.
Portfolio Monitoring & Quality Control
- Monitor branch loan book performance, including PAR, arrears, and delinquency trends.
- Identify early warning signs on accounts likely to default and escalate for action.
- Work closely with Debt Recovery Officers to support collections and loan regularization.
- Ensure follow-up on expired guarantees, insurance, and collateral documentation.
- Report on portfolio quality, exceptions, and operational challenges to management.
Operational Efficiency and Risk Management.
- Track loan disbursements, pending applications, and approvals.
- Monitor loan processing turnaround times and resolve delays.
- Enforce SACCO credit policies, internal controls, and SASRA regulatory requirements at branch level.
- Ensure all loans meet KYC, AML, and documentation standards.
- Support internal and external audits by providing branch credit records and explanations.
- Report any irregularities, fraud, or policy breaches to management. Reporting
- Prepare and submit branch credit reports (daily, weekly, monthly).
Ideal Job Holder Specifications.
Academic:
- Degree in business related fields preferably in Finance and Banking, Accounting or Economics.
Professional:
- Credit Professional Certifications an added advantage.
Desired Work Experience:
- At least Three (3) years’ working experience in a DT-Sacco, Commercial bank or a Microfinance bank.
Attributes
- Good understanding of SACCO credit policies, products, and SASRA regulations.
- Strong credit appraisal and risk assessment skills.
- Good leadership and people management skills.
- High level of integrity and accountability.
- Excellent communication and interpersonal skills.
- Strong organizational and problem-solving abilities.
- Customer-focused with a risk-aware mindset.
- Strong negotiation skills.
- Strong analytical Skills.
- Detail oriented.
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