Context:

Relationships:

·         Carries out performance review of credit officers ensuring that they are appraised based on SMART objectives.

·         Ensures effective performance management and disciplinary actions, when necessary.

·         Coaches and mentors credit officers.

·         Encourages teamwork and the sharing of best practices amongst all credit officers.

·         Holds regular reporting and planning meetings with individual credit officers.

·         Promotes company values and sets a personal example to individual credit officers.

·         Evaluates, monitors and controls performance of individual loans against agreed performance standards and targets and takes corrective action on reported delinquent accounts.

·         Support the credit officers in debt collection.

·         Motivate and continuously build capacity of branch staff for increased productivity.

·         Prepares individual loan operations updates on a daily, weekly and monthly basis and analyses reports vis-à-vis performance targets.

·         Validates information received from individual credit officers regarding default payments, business activity and other issues that may arise during the client and field visits.

·         Communicates clear guidelines and procedures including pre-loan eligibility requirements, client screening, collateral, product design, loan approval accountability and authority levels, repayment terms and incentives, delinquency, and default management.

·         Monitors individual loan processes and administration activities ensuring compliance to policy guidelines including adequacy and security of collateral.

·         Recommends approval of loans and ensures that the appropriate amount is recommended for re-loans.

·         Ensures that approved loans are processed and released on the agreed date.

·         Reviews pre-qualification assessment reports prepared by individual credit officers.

·         Interviews clients prior to release of loans to ensure that they are fully aware of their responsibilities.

·         Reviews collection report per individual credit officer taking note of delinquent payments and ensuring that corrective action is taken

·         Actively promote bank products and services to potential clients.

·         Ensures that clients receive quality products and services through regular client interface, dealing with them with respect and integrity.

·         Fosters the importance of long-term relationships among the team.

·         Contributes to the overall profitability of the company by implementing cost controls, marketing and income generation efforts, and monitoring expenses to ensure compliance to budget.

·         Develops and maintains knowledge of the microfinance industry, economy, market conditions, competition and relationships with other banks and financial institutions.

·         Establish good customer service at the branch level.

·         Prepare periodic work plans and budgets for the assigned branch.

·         Maintain a health loan portfolio by following standard business operating procedures and guidelines.

·         Update the loan management database to ensure proper loan records are kept.

·         Plan and coordinate branch office activities in line with ELEGLANCE FINANCE’s growth objectives.

·         Monitor the daily banking activities i.e. account opening and back office operations among others in line with banking policies and procedures.

·         Manage and supervise the human resources of the Branch and maintain high levels of staff productivity and EFL’s customer services.

·         Supervise the effective implementation of internal controls in line with EFL set policies and procedures.

·         Prepare periodic performance reports as per the reporting schedule of the Branch activities on a monthly, weekly basis.

·         A Postgraduate in credit management is an added advantage.

·         Candidates must be knowledgeable in computer applications especially MS Office and should be aged between 30 – 35 years of age.

·         Excellent communication and negotiation skills.

·         Knowledge of Microsoft excel for data entry and analysis is essential and mandatory.

·         Must be able to ride a motorcycle and should possess a valid riding license.

·         Knowledge of Microsoft excel for data entry and analysis is essential and mandatory.

·         Familiarity with industry’s rules and regulations

·         Leadership and human resources management skills

·         Should be fluent in the commonly used local languages

·         Demonstrate the highest level of ethical behaviour.

·         Maintain confidentiality of sensitive information.

·         Good decision-making abilities.

·         Should be a team player and a self-starter.

·         Should be self-motivated, innovative with a passion to achieve steep targets.

·         Should possess a strong personality and dynamism.

·           Should be able to work effectively in a fast-paced environment and under pressure.

·         Should demonstrate commercial awareness and ability to manage costs and maximize income for the organization.

·         Should have ability to plan, organize and prioritize work.

·          Possess a work ethic that includes neatness, punctuality, attention to detail and accuracy.

·          Excellent interpersonal skills to facilitate interaction with the clients and other staff.

·         Ability to meet sales targets and production goals