Job Purpose:
This role is responsible for screening and recruitment of borrowers, booking of quality loans into the Roots Credit Limited’s portfolio and selling the company’s products.
Education, Knowledge and Experience
Bachelor’s degree or college diploma in finance, business administration, or related field.
Competencies:
Unquestionable integrity (Background checks will be made prior to onboarding).
3 to 5 years experience in a lending role (Credit Officer, Loan Officer, Business Development Officer, etc) with a credible financial services’ provider.
Practical experience implementing lending procedures and products.
Good communication, negotiation, interpersonal, analytical skills and credit risk assessment skills.
Ability and willingness to offer exceptional customer experience and maintain relationships with customers and the company’s stakeholders.
PRIMARY RESPONSIBILITIES/DUTIES
Carry out Customer Mobilization for Roots Credit Limited. You shall undertake aggressive marketing and outreach activities and be responsible for cross selling financial products offered by the company. In addition, acquaint customers with products, approval policies, and all terms and conditions of accessing loans from the company.
Assist clients in completion of loan applications, preparing loan analysis, recommendations, presenting the recommendations to the Branch Credit Committee, and ensuring that all pre-disbursement conditions are fulfilled.
Appraise diligently and thoroughly all loan applications received from individuals or companies by;
Investigating and assessing the applicant’s background and in particular their character creditworthiness, and credit history as per records held by credit reference bureaus, bank statements etc
Verifying all particulars contained in the application form.
Checking and evaluating the particulars and financial projections of the repayment source.
Ensuring that all applications are evaluated and submitted to the Credit Committee promptly and not later than two days from the date of application.
Ensuring that security documentation is complete and duly perfected, properly executed, and realizable as guided by the company credit policy.
Carry out any other duties and assignments as may be directed by your supervisor from time to time
N/B – As a Credit officer, you will have contact with both internal and external clients, including members of the Board of Directors if need be. This requires strong interpersonal communication skills, both written and verbal.
A professional qualification in Credit Management will be an added advantage.
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Apply via :
hr@rootscredit.co.ke
