Credit Portfolio Officers

About the Role

K-Unity is expanding its dynamic team and seeking a Credit Portfolio Officer to manage assigned loan portfolios with excellence. This is a one-year renewable contract position based in Nairobi, Kenya, reporting directly to the Branch Manager.

Key Responsibilities

• Manage assigned loan portfolios and maintain portfolio performance
• Conduct thorough due diligence and checks before disbursing facilities and engage clients for post-review assessments when circumstances change
• Perform comprehensive loan analysis by collecting, verifying, and analyzing information to determine borrower qualification, considering personal and entrepreneurial business skills, macro-economic market outlook, and client investment/equity levels
• Examine customer capability and securitization/collateralization through rigorous business and personal checks to determine cash flow capacity and collateral adequacy
• Collaborate with the Credit Manager to review and update risk qualification during credit proposal analysis and throughout the loan lifecycle
• Support due diligence execution at every stage of loan applications to ensure informed decision-making and proper risk qualification
• Critically analyze financial statements and apply financial, commercial, environmental, and social criteria to assess credit risk and provide payment recommendations
• Monitor disbursed loans to ensure compliance and performance
• Maintain continuous client interaction and communication in collaboration with the Business Development Department to enhance relationships
• Ensure efficient collection of outstanding loans to maintain recommended PAR (Portfolio at Risk) levels
• Deliver superior customer relationship management

Core Requirements

• Ability to conduct thorough loan analysis and appraisal
• Strong financial analysis and risk assessment skills
• Excellent client relationship management abilities
• Proficiency in due diligence procedures and documentation
• Knowledge of credit risk management principles
• Strong communication and interpersonal skills