Reporting to the Chief Executive Officer, the Credit Manager will be responsible for overall success of the
organization loan portfolio management, Portfolio at Risk (PAR) management, staff supervision and capacity building and achievement of the Budgets & targets framework as set in the business plan.
The position is also bound to ensure and sustain institutional policy on zero tolerance on loan arrears.
* Co-ordinate, supervise, evaluate and assign duties to the staff in the credit section both at the head office and in the regions.* In conformity with the organization strategies, develop the credit department performance targets, allocation of the same to the staff in the department, monitoring and reporting on the same.
* Review and recommend improvement of the current credit control policies and procedures for effective control and monitoring of the organization credit facilities.
* Review the current loan securities and make recommendations to ensure loans are fully guaranteed with enough and easily realizable securities; ensuring all security documents are fully perfected before advancing loans while ensure the following:-
1. Departmental reports (including delinquency) are prepared and produced on time.
2. High standards of record keeping and neatness in the Credit Department.
3. Loans registers, customer files and their securities are kept safely and intact.
4. Loan defaulters are promptly followed and loans recovered per laid down credit policies.
5. Loans for approval are prepared, appraised and forwarded for approval according to the laid down procedures.
* Prepare and implement, together with other staff in the department, plans for service to members, staff rotation and annual leave register.
Essential skills and competenceThe post holder is a key member of the Senior Management Team in the organization and is expected to demonstrate high level competencies in the following:* Self management: Ability to maintain effective performance under pressure, ability to handle all stakeholders according to the organization’s values, manage personal development continuously, manage emotions and stresses positively and willing to adapt to change.
* Operational decision making: Taking decisive actions within own scope of authority to achieve goals in uncertain environments and changing contexts, analyzing and diagonising problems with depth and insight; displaying sound judgment and decision-making; and providing creativity and innovation.
* A Team player: Helping others to achieve goals, resolving conflicts successfully, building rapport, communicating effectively and maintaining relationships.
* Achieving: Showing drive and initiative, taking ownership and being accountable.
* A business-related degree from a reputable university plus at least CPA II. Those holding a diploma in Cooperative Management in addition to the above qualifications will have an added advantage.
* Be conversant with funding procedures of donor agencies and possess ability to write funding proposals.
* Five-year working experience, three out of which in a senior level Management position in a busy financial organization.
* Computer literate especially in accounting packages and spreadsheets; experience in loan performer tracking system being a definite advantage.
* Excellent verbal, analytical, organizational and writing skills.
* Ability and willingness to work at odd hours, in poor neighborhoods and to travel extensively.
* A mature person above 30 years of age
Reporting to the Chief Executive Officer, the IT officer will have the following duties:
* Database maintenance and user support in all branches
* IT Network administration, system configuration, systems support and customer support
* Monitors the progress of the design, installation and commissioning of the various networks and systems
* Administers the routine maintenance schedule for all communications and IT equipment.
* Management and Administration of system security, passwords and back ups.
* Managing data Entry at the head office
* Responsible for production of required reports
* Applying operating system updates and configuration changes
* Installation and configuring new hardware/software
* Troubleshooting any reported problems
* Maintaining the organization web-site The candidate must possess the following qualifications
* Degree or Diploma in Computer Science or Information Technology
* Proficiency in computer applications, especially in accounting packages and systems
* Strong knowledge of Windows XP operating System.
* Thorough knowledge of troubleshooting procedures
* Knowledge of operation of various loan and savings software systems, operations and programming knowledge. Those with knowledge of loan performer system will have an added advantage.
* At least two years experience in the same or related position
* A mature person above 25 years of age Reporting to the credit Manager, the credit officer will have the following duties:
* Organize, plan and implement training in finance and related activities.
* Efficient management of the credit programme
* Building the capacity of the community to manage their savings and credit programmes.
* Critical assessment of loan applications and appraisals
* Continuous monitoring and evaluation of the credit programme at the organization and community levels
* Identification, mobilization and organization of strategic groups
* Mobilization of finances The candidate must possess the following qualifications
* Be a graduate with a degree or diploma in business administration/management/ cooperative development.
* Have a proven 3-5 years experience in community based micro finance organization/s.
* Be conversant with donor agencies and funding procedures, ability to write funding proposals.
* A total team player
* Computer literate especially in accounting packages and spreadsheets
* Excellent interpersonal & communication skills
* Ability to work efficiently with minimum supervision
* Broad entrepreneurial and finance management skills
* Ability and willingness to work in odd hours, in poor neighborhoods and to travel extensively.
* A mature person above 25 years in age
Those who meet above requirements should forward his/her application letter quoting the position applied, current and detailed C.V.s, copies of academic and professional certificates, present and expected salary & benefits, contact address, day time telephone numbers and three referees who have known the applicant professionally.
This should reach us not later than the 28th of July 2011 in the address below.
Only short listed candidates will be contacted.
DN.A/1034
P.O. Box 49010-00100
GPO Nairobi
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