Tower Sacco Relationship Officer – Credit Jobs in Kenya

Tower Sacco Relationship Officer – Credit Jobs in Kenya; The Relationship Officer – Credit will be responsible for evaluating and reviewing credit applications, documentation, and financial information disclosures such as financial statements, credit reports, and collateral details to ensure files are complete, accurate, and decision‑ready while maintaining compliance with SACCO lending policies.

Job Description

Loan analysis through collecting, verifying, and analyzing information to determine borrower qualification.

Review and update risk qualification during credit proposal analysis and throughout the loan life cycle.

Support due diligence at every stage of loan application, appraisal, approval, and disbursement to ensure informed decision‑making.

Examine customer capability and collateralization, conducting business/personal checks to assess cash flows and security adequacy.

Analyze customer transaction trends and apply risk‑based scoring to identify and report potential fraud or suspicious activity on digital lending platforms.

Ensure all loan products, including digital lending, adhere to internal policies and regulatory compliance.

Continuously track key performance indicators such as loan delinquency, default rates, and overall loan book quality.

Proactively manage borrower and lending platform communication, application pipelines, and document requests.

Implement digital solutions with relevant departments to improve application flows, disclosures, and self‑service success.

Confirm guarantor details and endorsements submitted electronically, ensuring authenticity and compliance.

Authenticate member information using digital KYC tools and ensure compliance with data protection standards.

Any other duty assigned by the Head of Credit, Credit Manager, Branch Manager, or

other authority.

Preferred Qualifications

CCP II/CPA II/CIFA II or Diploma in Credit Management, Business Management, Cooperative Management, Accountancy/Finance & Banking, or Bachelor’s degree in a related field.

Professional certification such as Certified Credit Professionals or Certified Public Accountant is an added advantage.

Minimum of 3 years’ experience in a reputable financial institution; credit management experience preferred.

KCSE C plain with C (plain) in English and Mathematics.

Age above 28 years.

Ability to review loan applications and analyze credit information to assess customer creditworthiness.

Ability to multitask with close attention to detail.

Strong interpersonal skills and sound judgment.

High level of integrity.
How to apply

For more information and job application details, see; Tower Sacco Relationship Officer – Credit Jobs in Kenya

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