Relationship/Loan Officer

Human Capital Outsourcing Limited

Deadline: Oct 31, 2026

At Human Capital Outsourcing Limited, our journey began in 2017. We're not just an HR consultancy firm; we're your trusted strategic partners in realizing your vision. Over the years, our commitment to excellence has guided us through a path of continuous growth and learning.

Relationship/Loan Officer

• Job Type Full Time
• Qualification BA/BSc/HND , Diploma
• Experience 2 years
• Location Kirinyaga
• Job Field Finance / Accounting / Audit

Responsibilities

• Identify and recruit new clients for revolving credit facilities.

• Market and sell the organization's loan products.

• Conduct customer needs assessments and financial evaluations.

• Receive and process loan applications.

• Verify customer information and supporting documentation.

• Conduct credit appraisal and risk assessment.

• Recommend loan approvals within delegated authority.

• Prepare loan documentation and facilitate disbursements.

• Build and maintain strong customer relationships.

• Educate clients on loan terms, repayment obligations, and financial literacy.

• Monitor loan utilization and portfolio performance.

• Follow up on due repayments and minimize portfolio at risk (PAR).

• Manage delinquent accounts and support debt recovery efforts.

• Achieve assigned loan disbursement and collection targets.

• Maintain accurate customer records and CRM updates.

• Conduct regular market intelligence and competitor analysis.

• Cross-sell additional financial products and services.

• Ensure compliance with company policies and regulatory requirements.

• Prepare daily, weekly, and monthly performance reports.

• Represent the organization professionally within assigned markets.

• Skills & Requirements

• Diploma or Degree in Business, Finance, Economics, Marketing, or a related field.

• Minimum of 2 years' experience in microfinance, SACCO, banking, or credit operations.

• Experience managing revolving credit products is highly desirable.

• Strong knowledge of credit appraisal and loan processing.

• Proven experience in sales and portfolio growth.

• Good understanding of debt collection and recovery processes.

• Proficiency in Microsoft Office and digital lending systems.

• Valid riding licence or driving licence is an added advantage.

• Willingness to work in the field and travel within assigned territories.

• Sales and negotiation skills

• Customer relationship management

• Credit analysis ability

• Strong communication skills

• Target-driven mindset

• Problem-solving ability

• Financial literacy

• Time management

• High integrity

• Attention to detail

• Resilience and adaptability

• Team player

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