Credit Review Officer at Kaylog Economic Freedom Campaign (KEFC)

Job Summary

We are seeking a dynamic leader with a passion for success who thrives in fast-paced environments. The ideal candidate will drive growth, operational excellence, and strategic impact with strong analytical skills. You will join our public sector unit in a critical role overseeing credit quality and compliance.

Key Responsibilities

• Conduct independent credit reviews of loans granted to public servants and paramilitary personnel to ensure compliance with approved credit policies and risk appetite
• Review credit appraisal quality, including income stability, length of service, retirement horizon, and debt service capacity
• Verify authenticity and completeness of borrower documentation, including employment confirmation, payroll slips, service numbers, ranks, and retirement dates
• Assess and validate payroll deduction arrangements, check-off mandates, and repayment structures to ensure sustainability of loan facilities
• Monitor the quality and performance of the public sector loan portfolio, identifying delinquency trends, early warning signals, and emerging credit risks
• Track management responses to credit review findings and ensure timely resolution of identified issues
• Recommend improvements to credit policies, lending processes, and risk assessment frameworks for public sector lending
• Provide advisory and capacity-building support to relationship officers on public sector credit risk management

Qualifications & Requirements

• Minimum OND in any discipline
• Proven experience in microfinance, banking, or financial services
• Strong leadership and team management skills
• Excellent business development and strategic planning abilities
• Knowledge of financial products and credit risk management