Credit Officer- Loan Appraisal

Role Purpose To implement credit policies and procedures pertaining to loan issuance and appraisal. Responsibilities and Duties Register and process loan applications by verifying supporting documents in line with Sacco policies and procedures and maintaining an up-to-date loan register. Analyze applicants' eligibility, creditworthiness, repayment capacity through assessment of their income and credit repayment history. Ensuring timely appraisal and assessment of risks for all loan applications. Maintain consistent communication with members throughout the loan application process. Prepare daily, weekly and monthly reports on loan applications, approvals and disbursements. Conduct pre and post-loan disbursement member visits to gather relevant information and ensure that loan proceeds are utilized in accordance with the approved purpose. Ensure all offer and disbursement letters; and loan repayment schedules are communicated to the member after loan issuance. Collaborate with the Recovery and Accounts teams to ensure smooth transition from loan disbursement to repayment monitoring. Qualifications and Experience A Degree in Commerce / Business Administration or any other related field with at least CPA Part II. A Diploma in Co-operative Management or Certified Credit Professional (CCP) course will be an added advantage. At least 3 years' relevant experience in the financial sector. SKILLS & COMPETENCES: Good verbal and written communication skills, including effective handling of telephone and email enquiries. Strong analytical and reporting skills Willingness to learn and be flexible in the working arrangements. Proficient in MS Office applications and core banking systems Ability to work as member of the team.