Relationship Officer – Credit

JOB PURPOSE The Relationship Officer - Credit will be responsible for evaluating, reviewing credit applications, documentation, financial information disclosures such as financial statements, credit reports, collateral details to ensure files are complete, accurate and decision ready while maintaining compliance with SACCO lending policies. JOB DESCRIPTION Loan analysis through collecting, verifying, and analyzing information to help in determining whether the credit borrower qualifies for the facility. Review, update the qualification of risk during the analysis of the credit proposal and during the credit life once disbursed. Support the execution of “due diligence” in every stage of the loan application, credit appraisal, loan approval and disbursement to ensure well informed decision-making and qualification of the risk involved. Examine customer’s capability and securitization/collateralization subjecting the borrower to business /personal checks to determine whether the customer has existing/current potential cash flows to make good the loan obligation and whether there is enough collateral/security in the event of adversity. Analyze customer transaction trends and apply risk-based scoring to identify and report potential fraud or suspicious activity on digital lending platforms. Ensure all loan products including the digital lending products adhere to internal policies and other regulatory compliance. Continuously track key performance indicators such us loan delinquency, default rates and overall loan book quality. Proactively manage borrower and lending platform through communication, application pipelines, explanation of conditions, documents requests and next step clarity. Implement digital solutions in collaboration with other relevant departments to improve application flows, disclosures, document collection and self-service success. Confirm guarantor details and endorsements submitted electronically, ensuring authenticity and compliance. Authenticate member information using digital KYC tools and ensure compliance with data protection standards. Any other duty that may be assigned by the Head of Credit, Credit Manager, Branch Manager or any other person in authority.

CCP II/CPA II/CIFA II or Diploma in Credit Management, Business Management, Cooperative Management, Accountancy/Finance & Banking, or a related field; Bachelor’s degree in Cooperative, Finance, Accounting, or a related field; Professional certification such as Certified Credit Professionals/Certified Public Accountant is an added advantage; Minimum of 3 years of experience in a reputable financial institution; Experience in credit management is an added advantage; KCSE C Plain with C (Plain) in English & Mathematics; Age above 28 years; Ability to review loan applications and analyze credit information to assess customer creditworthiness; Ability to multitask with close attention to detail; Strong interpersonal skills and sound judgment; High level of integrity.