Credit Operations & Recoveries Officer

Key Responsibilities

• Market and sell loan products to suitable clients.
• Receive and process loan applications.
• Verify borrower information and supporting documents.
• Prepare loan agreements, repayment schedules and payment acknowledgements.
• Maintain accurate loan and borrower records.
• Monitor repayment dates and follow up borrowers before payments fall due.
• Recover overdue loans and document repayment commitments.
• Maintain proper records of guarantors, securities, cheques and other supporting documents.
• Record repayments and correctly allocate payments to principal and interest.
• Maintain separate records for different credit portfolios.
• Prepare daily, weekly and monthly portfolio reports.
• Identify problem accounts early and recommend recovery action.
• Maintain professional but firm relationships with borrowers.

Requirements

• Diploma or Bachelor’s degree in Business Administration, Finance, Accounting, Banking, Economics, Microfinance or a related field.
• Previous experience in credit, microfinance, SACCO operations, loan sales, banking or debt recovery is preferred.
• Strong communication, negotiation and recovery skills.
• Good numerical and record-keeping ability.
• Good working knowledge of Microsoft Excel or Google Sheets.
• Highly organised, trustworthy and able to work with minimal supervision.
• Must be comfortable making regular follow-up and collection calls.
• Ability to balance customer relations with firm credit discipline.

How to Apply:

All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section