Posted: 2026-09-11 16:38:12  Deadline: September 12, 2026   Full-time   Salary: Confidential

Kingdom Sacco is inviting applications from qualified candidates for the position of Credit Officer based in Nairobi. Reporting to the Credit Manager, the Credit Officer will be responsible for loan appraisals and analysis, disbursement and repayment, providing accurate credit information and advice to members, and executing debt recovery processes to ensure the overall quality and performance of the institution’s loan portfolio.

Position Details

Position: Credit Officer.
Location: Nairobi, Kenya.
Reports to: Credit Manager.

Key Responsibilities

Develop customer relationships by handling members and providing accurate information on the Society’s products, services and guidelines.
Conduct loan appraisals, analyse and verify loan applications using credit scores, sound lending practices, regulatory requirements and sound judgment to determine members’ creditworthiness.
Assist in ensuring the correct safeguard of all securities and maintain a comprehensive, accurate and complete register of securities and loans or advances.
Conduct approved member and field visits to monitor project or business performance and determine the client’s financial position in meeting new or ongoing loan repayment obligations.
Identify continuous credit operational improvement opportunities and service efficiency initiatives, recommend solutions and champion implementation of agreed changes.
Assist in maintaining a healthy credit portfolio as per the Credit Policy, Sacco Societies Regulations, prudential guidelines and other relevant regulations.
Assist in monitoring the performance of the Society’s loans to members and ensure adherence to loan repayment schedules.
Analyse delinquent accounts and implement recovery measures in line with the Society’s Credit Policy and established procedures.
Liaise with external service providers such as advocates, property valuers, debt collectors, auctioneers and credit bureaus.
Contribute to designing and implementing loan recovery management workflows for efficient debt recovery processes.
Update the supervisor on any challenges or customer difficulties experienced in credit services on a daily basis.
Remain current on credit industry trends and implement best practices that result in improved performance.
Assume other special activities and responsibilities from time to time as assigned by the Management of the Society.

Qualifications and Competencies

Bachelor’s Degree in Business, Finance or equivalent.
3 to 5 years of experience in Credit.
Professional qualification in Credit Management.
High integrity, honesty and ethical behavior.
Credit and Debt Management skills.
Strong documentation and reporting skills.
Excellent communication and follow-up skills.
Marketing and training skills.
Good knowledge of Sacco Societies Operations and SASRA guidelines and regulations.
Proficiency in computer systems and MS Office applications.
Conversant with security perfection process.
Knowledge in Credit or Banking management.
Excellent customer service.
Accurate analytical skills.

Application Process

Interested and qualified candidates should send their CV only to the email address below on or before September 12, 2026.

Application Email: hr@kingdomsacco.com

Online Application Form: Credit Officer at Kingdom Sacco- Nairobi (Form)

More details: Credit Officer at Kingdom Sacco- Nairobi (Instructions and Application)