REPORTING  RELATIONSHIPS:
a.  Responsible  to:  Branch  Manager
b.  Responsible  for:  Credit  Officer

MAIN  PURPOSE  OF  THE  JOB:
Accelerate  growth  of  the  credit  products  through  supervising  the  branch  credit  teams  in  achieving  the  set  operational  and  institutional  targets.

DUTIES  AND  RESPONSIBILITIES:
1.  Mobilize  loans  and  ensure  portfolio  growth.
•  Prepare  and  provide  performance  analysis  for  Pride’s  products.
•  Notify  branches  of  issues  arising  and  review  feedback  on  performance  of  products.
•  Prepare  reports  for  management  and  branch  staff.

2.  Support  the  branch  credit  staff  to  achieve  these  credit  targets.
•  Champion  policy  awareness.
•  Monitor  and  correct  where  necessary  branch  performance.
•  Review  turnaround  time  of  loans  and  advise  management.
•  Manage  the  relationship  with  big  loan  clients.
•  Conduct  CEC,  AEC/MEC  visits
•  Conduct  spot  checks  on  loan  files

3.    Participate  in  setting  of  branch  targets  for  loan  products  in  line  with  operations  set  projections  figures.
•  Conduct  case  loan  analysis.
•  Review  the  products  targets  and  analyze  anticipated  growth  trends.

4.  Encourage  recovery  of  written  off  loans  as  well  as  reducing  of  written  off  loan  amount.
•  Share  with  the  branch  written  off  loans  and  determine  strategy  in  their  recovery.
•  Document  recovery  efforts  in  adherence  with  policy
•  Liaise  with  debt  collection  officers  on  their  recovery  efforts.

5.  Mobilize  deposits  to  reduce  on  cost  of  borrowing.
•    Market  the  loans  products  to  new  potential  borrowers.
•Ensure  marketing  materials  for  the  products  are  delivered.

6.    Ensure  completeness  of  documentation  and  all  credit  files  have  necessary  documents  as  per  policy  and  fully  filed  and  signed.  Ensure  safe  custody  of  files  and  security  documents.

7.    Ensure  timely  appraisal  of  staff  on  a  quarterly  basis
•  Coach  and  train  staff  for  capacity  building

KEY  PERFORMANCEINDICATORS
1.    Timely  and  accurate  reports.
2.    Increase  in  loan  portfolio
3.    Achievement  of  set  targets
4.    Reduction  in  written  off  loans
5.    Increase  in  credit  product  users

Competency
•  Analytical  skills
•  Teamplayer
•  Marketing  skills
•  Credit  Management  Skills
•  Communication  skills

JOB  SPECIFICATION

Qualifications
• Bachelor’s  Degree  in  Commerce,  Economics,  Microfinance,  Development  Economics,  and  Development  studies,  Business  Studies,  Accounting  and  Finance,  Marketing,  Financial  Services,  Business  Computing,  Business  Statistics,  Entrepreneurship  and  Project  Planning,  Public  Administration  and  Management,  Sales  and  Marketing  Management,  B.  Agriculture  &  Rural  Innovations,  Agricultural  Engineering,  Agricultural  Extension,  Engineering,  or  in  any  other  relevant  /  related  field.

Experience
•  At  least  2  years  experience  in  credit  administration  for  external  applicants
•  At  least  3  years  as  a  Credit  Officer  for  internal  applicants