LOANS AND CREDIT OFFICER

Duties and responsibilities will include among others;

• Market the loan portfolio products to the target clients, converting potential leads into customers, updating the marketing feedback track via Google, on a daily basis. 

• Evaluate the credit-worthiness of applicants through interviews and financial analysis. 

• Process and verify loan applications, ensuring accuracy and completeness of all required documentation. 

• Determine relevant risk factors and establish appropriate debt repayment plans.  

• Clearly justify loan approval or rejection decisions and prepare corresponding reports.  

• Send customer financial statements for MPESA/banks to the Verification Department for affordability checks. 

• Respond to client inquiries, providing clear and accurate information about loan products, eligibility criteria, and terms. 

• Counsel clients on loan policies, repayment responsibilities, and available options. 

• Maintain a strong knowledge base of all loan products and services offered by the organization.

• Build long-term, trusting relationships with clients to ensure loyalty and satisfaction. 

• Document all client interactions and follow-up actions in the loan origination system. 

• Monitor loan performance and flag potential issues for timely resolution. 

• Ensure compliance with all applicable regulations, lending policies, and internal guidelines. 

• Identify client needs and offer suitable loan products accordingly.

• Develop referral networks and promote loan services to new and existing customers.

Collections Activities

• Contact clients with overdue accounts and inform them of their repayment obligations.

• Advise clients on payment options and propose suitable repayment plans based on their circumstances.

• Maintain accurate records of customer payment history.

Skills and Qualifications

• Strong communication, supervisory and interpersonal skills

• Proven work experience as a Business Development Executive

• Excellent organizational and leadership skills

• Ability to sell

• Proficiency in Microsoft Office Suite

• Knowledge of business operations and procedures

• Excellent written and verbal communication skills

• Analytical and problem-solving skills

• Industry knowledge

• Computer skills

• Diploma in Business, Finance, or a related field (Degree is an added advantage).

• Minimum of 3 years’ experience in a lending or financial institution.

• Proficient in loan management systems and Microsoft Office Suite.

Educational background: Minimum Diploma in Marketing or related study.

Experience: At least 2 years’ previous experience working in a lending institution.

Qualified candidates are asked to submit their CVs and letter of application to:

The Human Resource Manager, Early HR Consultants

Email: hr@earlyhrconsultants.com

interviews are being done on a rolling basis