Inkomoko Senior Investment Officer – Kakuma, Eldoret & Garissa Jobs in Kenya
About the Opportunity
Inkomoko Kenya Investment Officer is responsible for the items below:
Responsibilities
Due diligence and Contracts preparation
Respond to inquiries from prospective borrowers, support them to apply for our loan products.
Introduce the loan products to entrepreneurs, explaining the requirements for repayment and the
seriousness of taking on debt financing.
Introduce the loan products to SMEs, Refugees and host community entrepreneurs,
Conduct due diligence on prospective borrowers, including site visits, document preparation,
coordination with the Business Development Associate, etc.
Communicate all materials to the Loan manager and Portfolio Director and assist in preparing credit
reports for Investment Committee meetings.
Take photos of entrepreneurs, have them sign photo waivers, and post their stories on Kiva platform.
Portfolio management
Offer excellent customer service through daily conversations, correspondence, and site visits as
needed to maintain strong positive relationships with borrowers.
Work with African Entrepreneur Collective to ensure borrower success and Visit clients for
monitoring.
Track information about borrowers and communicate effectively with key stakeholders about client Status. Actively participate as a key staff in the weekly Portfolio Review Meeting.
Maintain a tracking system of borrower payments and contact information.
Interact with government leaders, cot. Jrt system, refugee’s and host communities’ stakeholders and
others for follow up on lack of payments.
Work with the Finance & Admin Director/Accountant to reconcile the lending transactions.
Ensure that we are adhering to the requirements of our Kiva, BNR, CRB and other regulatory entities.
Detailed knowledge of lending products
Other duties as assigned by supervisor
Loan Management System
Maintain and demonstrate proficiency with loan software applications
Work with system providers to utilize applications to fullest capacity, streamlining processes and
procedures, ensuring accuracy and compliance
Assist with system parameters and design to meet the needs of multiple departments.
Manage user security access.
Direct loan input (system boarding) and verification procedures for all loans.
Ensure proper segregation of duties, develop and maintain workflows for all stages of loan input.
Advise the Management team how to automate key lending processes.
Supervise all aspects of the loan operations. This supervision includes posting of payment, payoffs,
and balancing, disbursing loan funds.
Ensure lending staff is provided with updates and procedural changes.
Participates in the review and recommendations of operational systems and procedures.
Successfully interact with lending staff to improve accuracy and efficiencies of Loan management
system
Other duties as assigned by supervisor
Management
Coordinate loan officer’s staff in African Entrepreneur Collective Kenya Limited, setting their work plans, and maintaining weekly staff check-ins.
Be aware at all times of key goals and develop daily strategies to achieve those goals in alignment
with budget and culture.
Work with Loan manager and Portfolio Director to plan and manage the budget, staffing, and other
resource needs to deliver program outcomes.
Interpret, apply, and ensure departmental compliance with applicable donors and local policies,
laws, and regulations.
Ensure all staff under your supervision are compliant with organizational HR policies, credit policy and implement disciplinary actions when they are not.
Be a good ambassador in ensuring the organizational culture is understood and followed through by all staff under your supervision.
Represent the company in a highly professional manner in stakeholders’ and government meetings
and events in the absence of a Loan manager.
Acting the loan manager in his absence.
Elevate important trends, risks, and other notable activities to management.
Minimum Qualification
Investment officer will be a trusted partner of Inkomoko Kenya clients, and basic qualifications Include:
University degree in Finance or other related field
Must speak fluent English and Swahili. Knowledge of other local languages is a plus
Experience in group savings and group lending investments is preferred
Experience in Islamic lending and practice is STRONGLY PREFERRED
Strong financial and accounting skills; familiarity with business financial policies in Kenya
Experience in investment management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferred
Prior experience dealing with customers/debt
Prior experience in a lending environment
Experience providing business advice to entrepreneurs
Prior experience in Investment management system software
Decisive individuals with ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors pay off the entire debt
Experience in managing difficult clients and reaching positive outcomes
Very strong attention to details and good follow through
Comfort with the civil court system, and previous experience in litigation preferred
Unrelenting perseverance, personal integrity, and critical thinking skills
4+ years of work experience in relevant or applicable field
Must be able to legally work in Kenya.
How to Apply
For more information and job application details, see; Inkomoko Senior Investment Officer – Kakuma, Eldoret & Garissa Jobs in Kenya
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