Micro Credit Officer at Regent Microfinance Bank Limited

ROLE PURPOSE

Reporting to the Line Manager, the Microcredit Officer will be responsible for; client relationship management, identifying opportunities to drives sales, and assist in the development and execution of sales and marketing plans.

EXPERIENCE

• At least three years’ work experience preferably in Microfinance Bank.

SKILLS REQUIRED

• Passion and commitment to quality service performance;
• Ability to work/communicate with various customer segments such as farmers, business persons, employed and professionals.
• Excellent training, leadership and management skills.
• Excellent organizational skills and attention to detail.
• Ability to prioritize tasks, delegating when appropriate.

ROLES AND RESPONSIBILITIES

• In charge of growth and quality of micro-credit sector at organization level
• Monitoring the micro credit portfolio on trends and warning signs.
• Ensure that the branches are proactive and effective in monitoring the micro-credit portfolio
• Enhancement of pre-loan and post loan approval compliance
• Ensure implementation of overall micro-credit strategies as well as enhancement of credit policy compliance.
• Ensure compliance of micro-credit guidelines by the bank
• Analysing the micro-credit segment products and availing reports.
• Cause marketing in the branches to recruit more members and groups to the bank
• Reviewing and analysing the client’s credit risk status and offering expert advice to the credit department and other relevant officers.
• Causing loan monitoring and risk management with aim of avoiding credit defaulters and interest suspension.
• Stay abreast on new types of loans and other financial services and products in order to better meet members’ needs.
• Ensuring safe custody of the micro-credit documents and items from the branches.
• Any other duty assigned by superiors from time to time.

Qualifications & Experience

• Bachelor Degree in Banking & Finance, Marketing and any other related course
• 2 years minimum experience in a similar role.