Academic and Professional Qualifications & Experience**

• A degree in business related field.

• Diploma in micro-finance management, cooperative management or marketing is an added advantage

• At least 2 years relevant work experience with client mobilization skills and micro-finance exposure.

Competencies/Abilities/Skills Required**

• Must be a committed Christian, able to stand above denominational diversities.

• Good analytical and problem solving skills

• Demonstrates high regards for accuracy and reliability

• Good communication skills

• Group mobilization skills

• Good analytical skills

• Good spoken and written English and Kiswahili.

• Willingness and ability to work in a team environment;

• Superior knowledge in the use of PCs and in Microsoft Office applications

Sales and Marketing**

• Solicits new loan accounts in accordance with specific periodic performance targets prescribed in the branch business plan;

• Conducts active marketing campaign to attract new clients;

• Orients prospective clients about MoHI’s individual loan;

• Assist in conducting market research and survey activities

• Assess market needs for product development and make recommendation to the supervisor accordingly.

• Assist in the improvement of the credit delivery strategies.

• Prepare and submit daily, weekly, monthly/quarterly reports and projections as per the set timely and periodic demands.

Management of Clients****

• Implement credit policies and procedures to clients

• Facilitate formation and recruitment of solidarity groups.

• Ensure all clients contribute to the weekly and monthly loan guarantee fund (LGF) as per the provided schedule.

• Attend and add value to group meetings on weekly/monthly basis and provide regular guidance to clients.

• Give counsel and advise clients on economic and social issues and help in fostering business ethics.

Loan Portfolio Management****

• Carry out thorough appraisal of all loan applications and ensure timely disbursement and recovery of loans within the set benchmarks.

• Receives loan applications and perform credit investigation on loan applicants and his/her surety/ guarantor, if any

• Conducts inspection and/or appraisal of any property being offered as collateral;

• Prepares and presents credit applications to the credit committee for approval;

• Handle outstanding loan portfolio and savings portfolio according to set benchmark standards from time to time.

Trainings and Capacity Building****

• Facilitate group training to ensure understanding and adherence to MoHI’s lending policies and procedures.

• Carry out orientation and induction of new staff

Other General Responsibilities**

• Ensure accurate and up-to-date data for all existing/exiting clients and all businesses.

• Establish cordial working relations with other stakeholders’ i.e. Chiefs, CDAs, NGOs and other development partners.

• Member of loan committee and is responsible for ensuring the loans approval and disbursement process is done as per policies and procedures.

• Ensure that all equipment/assets and tools assigned to him/her are properly utilized and maintained.

• Carry out any other duties that may be assigned to you from time to time by the supervisor.