Credit Officer at Ukristo na Ufanisi Sacco Limited

Position Overview

The Credit Officer will report to the Credit Manager and be responsible for managing the loan portfolio, ensuring compliance with institutional policies, and supporting clients throughout the lending process.

Key Responsibilities

• Screen loan applications, analyze financial information, and evaluate credit and risk ratios to determine loan eligibility and potential risks
• Ensure all loans adhere to institutional policies and procedures, and that all relevant regulations are followed
• Assess and mitigate potential credit risks associated with loans and monitor collateral adequacy
• Advise clients on suitable loan options, gather necessary financial documentation, and maintain communication regarding loan status and repayment schedules
• Process loan disbursements accurately and on time, manage loan portfolios, and coordinate collections efforts
• Prepare reports and recommendations for management on the status and performance of the loan book

Required Skills and Qualifications

• Strong analytical and problem-solving abilities
• Excellent communication, negotiation, and interpersonal skills
• High level of integrity and confidentiality
• Ability to work effectively with diverse clients and colleagues
• Attention to detail and organizational skills
• Experience in the financial, cooperative, or microfinance sector (added advantage)