About Company
Empowering local entrepreneurs and individuals in Kirinyaga to achieve their financial dreams is at the heart of what we do. Career.zycto offers a dynamic environment where your expertise in financial services directly translates into community impact and personal growth. We’re seeking passionate individuals ready to build lasting client relationships and drive economic development. Join a team dedicated to innovation and integrity, providing vital capital to underserved markets. If you thrive on making a tangible difference and value a collaborative, supportive culture, Career.zycto is your platform to excel and shape a brighter financial future for many.
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Job Description
A compelling opportunity awaits a dedicated and community-focused Loan Officer to join our vibrant financial services team in Kirinyaga County, Kenya. At Career.zycto, we are committed to fostering economic growth and financial inclusion by providing accessible and responsible credit solutions to individuals, small businesses, and agricultural ventures within the region. As a Loan Officer, you will be the face of our institution, directly engaging with clients, understanding their financial needs, and guiding them through our range of loan products. This role is pivotal in assessing creditworthiness, ensuring compliance with our lending policies, and ultimately contributing to the sustainable development of our community.
You will play a crucial role in building and nurturing a robust client portfolio, focusing on both new client acquisition and the retention of existing relationships. This involves conducting thorough due diligence, market assessments, and regular follow-ups to ensure loan repayment and client satisfaction. We are looking for an individual who possesses strong analytical skills, exceptional interpersonal abilities, and a genuine passion for helping people achieve their financial objectives. The successful candidate will be proactive in identifying potential borrowers, educating them on financial literacy, and promoting our services in a clear and ethical manner.
This position demands a high degree of responsibility and autonomy, offering significant scope for professional development and career advancement within the financial sector. You will be instrumental in identifying and mitigating credit risks, preparing detailed loan reports, and collaborating closely with internal teams to streamline processes and enhance customer experience. If you are a results-driven professional with a keen eye for detail, a commitment to ethical lending practices, and a desire to make a meaningful impact in Kirinyaga County, we encourage you to apply. Join Career.zycto and become a cornerstone in our mission to empower local communities through financial empowerment.
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Key Responsibilities
- Source, evaluate, and process loan applications in accordance with established policies and procedures.
- Conduct thorough credit analysis, financial assessments, and risk evaluations for potential borrowers.
- Build and maintain strong client relationships through regular communication and excellent customer service.
- Monitor loan portfolios to ensure timely repayment and proactively address any potential delinquency issues.
- Provide financial literacy education and advisory services to clients on responsible borrowing and saving.
- Achieve monthly and quarterly loan disbursement and portfolio quality targets.
- Prepare comprehensive loan reports and present findings to management.
- Ensure strict compliance with all internal lending policies, regulatory requirements, and ethical standards.
- Actively participate in community outreach programs to promote financial inclusion and company services.
Required Skills
- Proven experience in loan origination, credit analysis, or a similar financial services role.
- Strong understanding of lending principles, financial statements, and risk assessment.
- Excellent communication, negotiation, and interpersonal skills.
- Proficiency in Microsoft Office Suite (Word, Excel).
- Ability to work independently and manage a diverse client portfolio.
- High level of integrity and strong ethical conduct.
- Fluency in English and Swahili.
Preferred Qualifications
- Bachelor's degree in Finance, Banking, Business Administration, Economics, or a related field.
- Familiarity with the local Kirinyaga market and community.
- Experience with microfinance operations or SME lending.
- Valid motorcycle riding license (advantageous for field visits).
Perks & Benefits
- Competitive salary and performance-based incentives.
- Comprehensive health insurance package.
- Opportunities for professional development and continuous training.
- A supportive and collaborative work environment.
- Contribution to community development and financial empowerment.
- Paid time off and public holidays.
How to Apply
To seize this exciting opportunity, please click on the application link below to submit your application directly. We look forward to reviewing your qualifications and learning more about how you can contribute to our mission.
