Academic and Professional Qualifications & Experience

• A degree in business related field.
  
• Diploma in micro-finance management, cooperative management or marketing is an added advantage
  
• At least 2 years relevant work experience with client mobilization skills and micro-finance exposure.
  

Competencies/Abilities/Skills Required

• Must be a committed Christian, able to stand above denominational diversities.
  
• Good analytical and problem solving skills
  
• Demonstrates high regards for accuracy and reliability
  
• Good communication skills
  
• Group mobilization skills
  
• Good analytical skills
  
• Good spoken and written English and Kiswahili.
  
• Willingness and ability to work in a team environment;
  
• Superior knowledge in the use of PCs and in Microsoft Office applications
  

Sales and Marketing

• Solicits new loan accounts in accordance with specific periodic performance targets prescribed in the branch business plan;
  
• Conducts active marketing campaign to attract new clients;
  
• Orients prospective clients about MoHI’s individual loan;
  
• Assist in conducting market research and survey activities
  
• Assess market needs for product development and make recommendation to the supervisor accordingly.
  
• Assist in the improvement of the credit delivery strategies.
  
• Prepare and submit daily, weekly, monthly/quarterly reports and projections as per the set timely and periodic demands.
  

Management of Clients

• Implement credit policies and procedures to clients
  
• Facilitate formation and recruitment of solidarity groups.
  
• Ensure all clients contribute to the weekly and monthly loan guarantee fund (LGF) as per the provided schedule.
  
• Attend and add value to group meetings on weekly/monthly basis and provide regular guidance to clients.
  
• Give counsel and advise clients on economic and social issues and help in fostering business ethics.
  

Loan Portfolio Management

• Carry out thorough appraisal of all loan applications and ensure timely disbursement and recovery of loans within the set benchmarks.
  
• Receives loan applications and perform credit investigation on loan applicants and his/her surety/ guarantor, if any
  
• Conducts inspection and/or appraisal of any property being offered as collateral;
  
• Prepares and presents credit applications to the credit committee for approval;
  
• Handle outstanding loan portfolio and savings portfolio according to set benchmark standards from time to time.
  

Trainings and Capacity Building

• Facilitate group training to ensure understanding and adherence to MoHI’s lending policies and procedures.
  
• Carry out orientation and induction of new staff
  

Other General Responsibilities

• Ensure accurate and up-to-date data for all existing/exiting clients and all businesses.
  
• Establish cordial working relations with other stakeholders’ i.e. Chiefs, CDAs, NGOs and other development partners.
  
• Member of loan committee and is responsible for ensuring the loans approval and disbursement process is done as per policies and procedures.
  
• Ensure that all equipment/assets and tools assigned to him/her are properly utilized and maintained.
  
• Carry out any other duties that may be assigned to you from time to time by the supervisor.