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The Risk & Credit Officer will work with the Chief Finance Officer to design, implement, and scale credit sales for a range of products.
These include farming inputs that reduce cost and increase revenues for farmers.
Main Responsibilities: –
- Evaluate and advice on client’s ability to pay based on analysis of their finances.
- Follow up with credit customers on repayments and ensure Accounts are up to date.
- Obtain credit information from credit reference bureaus on customer credit history to assist in decision making.
- Reporting to partners and management on the portfolio.
- Creation and implementation of credit policies and procedures.
- Monitoring the portfolio including follow up of non-performing loans, liaising with credit review bodies and analysis plus recommendation of the same.
- Analyze, advise and ensure recovery of defaulted loans.
- Undertake timely recovery actions through effective communication and negotiate with customers on their past due facilities while ensuring that subsequent actions on the facilities, if required, are not unduly delayed.
- Ensure effective loan collection and default management policies and procedures are in place.
- Maintaining records of all outstanding Loans.
- Enhance the client experience through accurate and timely resolution of client issues.
- Training staff on credit management of our portfolio to ensure proper vetting of clients by all relevant departments.
- Ensure compliance with the lending policies and guidelines.
- Regular update of the credit policy based on industry trends and developments.
- Any other duties as may be assigned.
Qualifications, Experience and Skills.
- Bachelor’s degree in finance, banking, economics, statistics or related field.
- Credit certification will be an added advantage
- At least 3 years’ credit experience in a in credit and preferably from an MFI/bank and in Agriculture lending.
- Candidates with experience in the microfinance sector will have an added advantage.
Application Details
If you feel you are a good fit for this role, please send your CV to executivesearch@humantalentrecruit.com by 17th January, 2020.
The forwarding e-mail must clearly indicate the job title on the subject line
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