Develop and maintain effective and cost-effective policies and procedures to achieve target portfolio size while managing credit risk.
• Set credit management policies and procedures to ensure that loans are granted based on technical criteria and that follow-up on late payment is prompt and effective.
Oversee training and information dissemination to ensure that creditstaff understands policies and procedures.

Oversee loan approval processes to achieve agreed-upon targets.
• Propose allocation of loan funds according to available products
• Ensure that the SACCO approves loans on the basis of existing policies and procedures.
• Ensure proper scrutiny and preparation of loan applications and agreements and repayment schedules.
• Sample check the accuracy of interest calculation on loans and act upon discrepancies discovered.
• Arrange Credit Sub-Committee meetings and guide the sub-committee to approve loans based on policies and procedures.
• Report on the loan portfolio

Ensure delinquent loan recovery processes meet targets.
• Follow up on overdue loans and debts for proper recoveries.
• Oversee those late payments are followed up promptly andeffectively.