Rafiki DTM Relationship Manager, Credit - Branch

Relationship Manager, Credit - Branch        

Job Summary

The job holder will be responsible for the growth and quality of loan portfolio for the branch by ensuring proper loan appraisal, effective monitoring and aggressively follow up accounts in arrears.

Responsibilities

• Assist the relationship team to drive, develop and acquire new business to meet business targets Monitor the assigned portfolio and mitigate any risks by performing credit analytics and maintaining client contact.
• Assist team members to handle the team's portfolio.
• Prepare quality credit proposals with input from the Credit officers and perform financial analysis to senior management to facilitate credit assessment and approval.
• Monitoring the credit quality and business trend of clients and reporting any material changes in timely manner to avoid credit loss.
• Visit/meet customers when required in order to achieve a clear understanding of credit risks.
• Work with other stakeholders such as the Business Development Managers/Marketing/ and Operations to achieve agreed targets.
• Ensure that the approval procedures, standards of credit and maintenance, conform to controls/procedures established by head of credit for the business.
• Ensure compliance with DTM’s policy and to ensure that DTM’s policy breaches are properly authorized at the correct senior approving level.
• Mitigate risk and highlight early warning signs of credit deterioration.
• Loan disbursements and deposit mobilization that meet defined growth and quality targets.
• Preparation of periodic performance reports.
• Responsible for collating information on clients.
• Maintain quality portfolio by ensuring proper loan appraisal, effective monitoring and aggressively follow up accounts in arrears.
• To participate in Performance Management and career development of staff within the department.

Qualifications and experience:

• Have a bachelor’s degree in a business related field.
• A diploma in microfinance will be an added advantage
• Post graduate Diploma in Micro Finance and or Certified Credit Management will be an added advantage Have good knowledge of the micro-finance industry and practices.
• Have knowledge in credit management.
• At least two (2) years experience in a similar or related position, preferably in the financial sector.
• Proficiency in computer skills.

Competence/Attributes

• Credit analysis skills.
• Good problem solving skills
• Good negotiation skills
• Excellent communication and interpersonal skills

All applicants must apply online to the email hr@rafiki.co.ke closing date is 1st March 2013. 

Canvassing will automatically disqualify the candidate. 

Only shortlisted candidates will be contacted. “We are an equal opportunity employer”.