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1. Credit Operations and Appraisal

• Review and verify loan applications submitted by loan officers.

• Conduct field visits, client interviews, and household/business assessments.

• Ensure proper credit appraisal, group formulation, and loan documentation.

• Recommend loan approvals within set limits and escalate higher-risk cases.

2. Portfolio Monitoring & Risk Management

• Track individual and group performance across all loan cycles.

• Monitor repayment schedules to ensure high collection rates.

• Identify potential delinquent cases early and design recovery strategies.

• Support loan officers with follow-ups and field recovery visits.

• Maintain Portfolio at Risk (PAR) within acceptable institutional limits.

3. Staff Supervision & Capacity Building

• Supervise, mentor, and support loan officers in daily activities.

• Provide ongoing coaching on field procedures and credit management.

• Ensure staff meet productivity and portfolio quality targets.

• Conduct regular performance reviews and assist in training new staff.

4. Compliance & Reporting

• Ensure all credit operations comply with internal policies and regulatory standards.

• Verify the accuracy of credit files, client information, and loan records.

• Prepare and submit daily, weekly, and monthly credit reports to management.

• Support internal and external audits by ensuring proper documentation.

5. Customer Service

• Address client concerns related to credit products and repayment schedules.

• Promote responsible borrowing and financial literacy among clients.

• Strengthen the institution’s relationship with clients, groups, and community leaders.

6. Business Development

• Guide loan officers in finding new clients and expanding into new areas.

• Assist with marketing loan products and other financial services.

• Analyze market trends and recommend new opportunities for loan growth.