Credit Relationship Officer

About the role

We are seeking a Credit Relationship Officer to join our Nairobi branch and help expand our credit portfolio. You will work closely with members, providing financial advisory support while ensuring compliance with internal policies and regulatory requirements.

Key responsibilities

• Identify and recruit new members to grow the credit book in line with branch targets.
• Conduct financial analysis and prepare detailed credit appraisal reports.
• Offer financial advisory support and identify cross‑selling opportunities.
• Manage the assigned loan portfolio, ensuring timely repayments and follow‑up on non‑performing loans.
• Monitor loan maturities, securities, rates, insurance status and instalment arrears.
• Ensure all new accounts and loan applications comply with KYC and AML/CFT requirements.
• Maintain complete and up‑to‑date credit files, including securities, insurance records and call reports.
• Initiate and follow up on institutional agreements and check‑off arrangements.
• Resolve customer queries and complaints promptly while maintaining high service standards.

Required profile

• Bachelor’s degree in Finance, Accounting, Economics or a related discipline.
• Minimum three years of experience in credit management, preferably handling MSME or agribusiness portfolios within a SACCO, micro‑finance institution or bank.
• Strong knowledge of SASRA Prudential Guidelines, the Data Protection Act and KYC/AML requirements.
• Excellent interpersonal skills, resilience and the ability to work under pressure.

Required skills

• Credit risk analysis
• Financial statement interpretation
• Portfolio monitoring and management
• KYC and AML compliance