Posted: 2026-10-20 18:11:59  Deadline: October 24, 2026   Full-time   Salary: Confidential

Tower Sacco is inviting applications from qualified, analytical and results-oriented individuals for the position of Relationship Officer - Credit (3 Posts). The successful candidates will be responsible for evaluating credit applications, verifying financial information, assessing borrower eligibility, monitoring loan portfolio performance and ensuring compliance with SACCO lending policies. The positions are based at Tower Sacco Branch in Olkalou, Kenya.

Position Details

Position: Relationship Officer - Credit (3 Posts).
Job Reference: TSCCS/R.O.C.9/10/2026.
Hiring Company: Tower Sacco.
Department: Credit.
Location: Tower Sacco Branch, Olkalou, Kenya.
Reports to: Branch Manager.
Job Ad Expiry: October 24, 2026, at 6:00 p.m.

Job Profile and Purpose

The Relationship Officer - Credit will be responsible for evaluating and reviewing credit applications, supporting documentation, financial disclosures, credit reports and collateral details to ensure that credit files are complete, accurate and ready for decision-making. The role requires adherence to SACCO lending policies and procedures while supporting responsible lending, effective credit risk management and the maintenance of a healthy loan portfolio.

Responsibilities

Track and manage loan portfolio performance against key performance indicators, including loan delinquency, non-performing loan (NPL) reduction and overall loan book quality.
Monitor Portfolio at Risk (PAR) indicators, particularly PAR 30 days and PAR 90 days, and support initiatives to improve portfolio quality.
Collect, verify and analyse borrower information to determine eligibility for credit facilities.
Ensure compliance with credit policies and procedures when undertaking loan disbursements, portfolio monitoring and other routine lending activities.
Review and update credit risk assessments during Branch Credit Committee meetings and throughout the credit lifecycle after loan disbursement.
Explain available credit facilities, loan options, terms and conditions to existing and prospective SACCO members.
Obtain and compile loan applicants' credit histories and other relevant financial information.
Appraise loan applications in accordance with the SACCO's credit policy and established procedural manuals.
Identify opportunities to cross-sell SACCO products and services to increase revenue while improving member satisfaction.
Apply appropriate verification and due diligence procedures to establish the authenticity of individuals presenting loan appraisal documents and instruments.
Negotiate financial transactions, repayment terms and credit limits with members and present the proposals to the Branch Manager.
Conduct Know Your Customer (KYC) and Anti-Money Laundering (AML) checks to prevent and detect fraud, forgeries and other irregularities.
Maintain appropriate filing systems and update the Document Management System (DMS) by scanning and uploading departmental documents.

Minimum Qualifications and Experience

Professional qualification such as Certified Credit Professional (CCP) II, Certified Public Accountant (CPA) II or Certified Investment and Financial Analyst (CIFA) II; or a diploma in Credit Management, Business Management, Co-operative Management, Accountancy, Finance and Banking or another relevant field.
Alternatively, a Bachelor's degree in Co-operative Management, Finance, Accounting or another related field.
A professional certification such as Certified Credit Professional (CCP) or Certified Public Accountant (CPA) will be an added advantage.
At least three (3) years of experience in a reputable financial institution.
Experience in credit management will be an added advantage.
KCSE mean grade of at least C (Plain), with a minimum grade of C (Plain) in English and Mathematics.

Key Competencies and Personal Attributes

Must be above 28 years of age.
Ability to multitask while maintaining a high level of accuracy and attention to detail.
Excellent communication and interpersonal skills.
Ability to maintain high standards of fairness, transparency and confidentiality.
Strong teamwork and collaboration skills.
Empathy and a commitment to understanding members' financial needs.
Proactive approach, initiative and effective problem-solving skills.
Self-driven, disciplined and results-oriented.
Demonstrated integrity and professional competence.
Excellent organisational and time-management skills.

Application Process

Interested and qualified candidates should submit their applications through the official Tower Sacco careers website before the application deadline.

Application Deadline: October 24, 2026, at 6:00 p.m.

Application Link: Tower Sacco (Careers Page)