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.