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o Evaluate credit worthiness by processing loan applications and documentation within specified limits o Interview applicants to determine financial eligibility and feasibility of granting loans. o Determine all applicable ratios and metrics and set up debt payment plans. o Communicate with clients either to request or to provide information. o Justify decisions (approvals/rejections) and report on them. o Complete loan contracts and counsel clients on policies and restrictions. o Update job knowledge on types of loans and other financial services. o Maintain and update account records. o Assess customer needs, explore all options and introduce different types of loans. o Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas. o Go the “extra mile” to build trust relationships, customer loyalty and satisfaction throughout the underwriting process. o Operate in compliance with laws and regulations and adhere to lending compliance guidelines o Collection of debt.

Prepare and present audit financial schedules  Reconcile the General ledger accounts.  Placement of fixed deposit for surplus funds by negotiating desirable interest rates above the treasury bill rate. Passing journals to correct entries wrongly posted in the Sage Pastel Evolution system.  Electronic preparation of the Local Purchase Orders (L.P.O’s) after liaising with the procurement team. Safe keeping of the check books for Kenya.  Respond to customer queries Process payments, travel advances and reimbursements  Prepare and update petty cash vouchers and maintain the float  Ensure all money balances and checks are banked and deposit slips posted.  Prepare and present audit financial schedules Reconcile the General ledger accounts. Placement of fixed deposit for surplus funds by negotiating desirable interest rates above the treasury bill rate. Passing journals to correct entries wrongly posted in the Sage  Pastel Evolution system. Electronic preparation of the Local Purchase Orders (L.P.O’s) after liaising with the procurement team. Safe keeping of the check books for Kenya.  Respond to customer queries Process payments, travel advances and reimbursements Prepare and update petty cash vouchers and maintain the float Ensure all money balances and checks are banked and deposit slips posted.

 Facilitate recruitment and registration of clients in existing and new groups  Stimulate client training on SMEP policies, procedures and basic business skills, loans, business, etc.  Ensure that all clients contribute weekly savings and repay their loans on time  Responsible to evaluate clients’ businesses and determine whether they are worth the amount applied for  Responsible for client evaluations and loan processing.  Responsible for maintaining a quality asset portfolio as per the company requirements  Responsible for preparation and submissions of timely daily, weekly, monthly and quarterly reports as per the company's requirements to the respective Office Holders.  Responsible for recording, verifying and assessing the chattels offered for loans with assistance of the Branch Manager  Ensure follow-up of defaulters and collection of arrears  Responsible for record keeping for all clients e.g. savings, loan status etc.  Ensure client retention through excellent customer service

 Support and maintain an excellent work environment to achieve demanding targets  Deliver first rate customer service  Build excellent relationships with customer-partners and opinion leaders in catchment area  Assist in accurate and timely reporting of Management Information and market feedback to report on customer preferences, trends and market opportunities  Assist in marketing activities  Assist in lead generation  Carry out customer education and maintain relationships  Assist in renegotiating payment schedules.