Sacco Credit Relationship Officer

Key Duties and Responsibilities

Financial

• Set up, process and follow up credit application files to ensure timely completion.
  
• Collect and analyze customers’ or prospects’ financial statements and other relevant documentation.
  
• Analyze and prepare credit facility applications in accordance with the Sacco’s Credit Policy, negotiated pricing conditions and approved service-level timelines.
  
• Identify opportunities to cross-sell the Sacco’s products and services.
  
• Ensure full compliance with the Sacco’s Credit Policy and approved credit processes.
  

Customer Focus

• Manage and monitor the assigned loan portfolio.
  
• Assess customers’ actual financial needs and ensure consistency between requested and proposed credit facilities.
  
• Maintain customer retention while enriching and updating prospect and customer databases.
  
• Identify opportunities to meet customer needs and cross-sell relevant SACCO products and services.
  
• Follow up customer complaints and ensure resolution within approved Service Level Agreements and procedures.
  
• Conduct scheduled and focused customer calls to strengthen relationships and support continuous improvement in customer service.
  

Operational

• Maintain and regularly update customer file schedules, including KYC information, call reports, maturities, completion of security documentation, insurance, interest rates and loan instalment arrears.
  
• Ensure compliance with applicable regulatory requirements and implementation of effective Anti-Money Laundering (AML) and KYC controls.
  
• Maintain accurate and complete credit and customer records.
  
• Strictly adhere to the Sacco’s Code of Ethics in all customer dealings.
  

Qualifications & Experience

• A Bachelor’s degree from a recognised university, preferably in Business, Finance, Economics, Commerce or another relevant field.
  
• At least two (2) years’ relevant experience in credit, business development, customer relationship management or a related role, preferably within a Sacco, banking or financial services environment.
  
• Demonstrable experience in credit appraisal, loan portfolio management and handling and resolving customer requests and queries.
  
• Good understanding of prudential guidelines, KYC and applicable credit and regulatory requirements.
  
• Good analytical, communication and customer relationship management skills.
  
• Strong team-building skills and ability to work effectively with diverse teams.
  
• Resilient, confident, self-motivated and results-oriented.
  
• High level of integrity, professionalism, confidentiality and commitment to customer service.