Job Vacancies at K-Unity Sacco (2025)

Key Responsibilities

• Generating leads and converting them into opportunities for member recruitment and savings mobilization
• Contacting potential customers via telephone, email, meetings, face to face and other media platforms
• Arranging meetings with prospective members to demonstrate financial products and services.
• Negotiating periodic savings with potential members
• Paying attention to competitors and their activities within the industry
• Building long-term relationships with new and existing Members
• Ensuring all administration relating to sales and marketing is completed effectively.
• Working closely with other departments and finding opportunities to cross sell products
• Effective (honest & timely) communication to members and potential members
• Effective feedback to your superiors and colleagues regarding sales and marketing activities gathered within and externally from the market.
• Any other duties assigned by Management.

Knowledge, Skills, and Experience

Formal Education

• Diploma/Bachelor’s degree in a Business-related course.
• C.O.P/Diploma in insurance
• Good knowledge of general insurance products and working knowledge of General and life insurance.

Skills

(i) Technical Skills

Analytical and Negotiation skills

(ii) General/Core skills

Communication, Interpersonal, Administrative, Report writing, Problem solving, public relations.

Job Vacancies at K-Unity Sacco

Job Advert- Credit Portfolio Officer

Reporting to the Branch Manager the Credit Portfolio Officer will be responsible for.

• Managing the assigned portfolios.
• Ensure proper loan analysis and appraisal
• Guarantee proper loan monitoring.
• Deliver superb customer relationship management.
• Ensure efficient collection of outstanding loans to maintain the recommended PAR levels.

KEY RESPONSIBILITIES

• Conduct thorough due diligence and checks before disbursing a facility and there after engaging clients for post-review dynamics in the event circumstances changes.
• Loan analysis- collect, verify, and analyze information to help in determining whether the borrower qualifies for the facility given his/her personal entrepreneurial business/venture skills, macro-economic market outlook and the amount of their investments/equity in their businesses/ventures.
• In collaboration with the Credit Manager –review and update the qualification of risk during the analysis of the credit proposal and during the life of the loan once disbursed.
• Support the execution of ‘’due diligence’’ of businesses in every stage of the loan’s application to ensure well informed decision making and qualification of the risk involved. Critically analyze the financial statements and apply financial, commercial, environmental, and social criteria to the actual and considered credits, providing recommendation for payment, and monitoring of disbursed loans.
• Loan appraisals- examine a customers capability and securitization/collateralization, subjecting the borrower to a rigorous business/personal checks with the aim of determining whether the client has current or potential cash flows to make good the loan obligation and whether the client has a collateral/security in the event of adversity.
• Client relationship – continual interaction and communication with clients, in collaboration with the Business Development Department enhance value addition to clients through skills enhancement at their establishments & farms, and more so resolving their complaints regarding the SACCO facilities and services.
• Loan monitoring- post-loan analysis & appraisal that may lead, if necessary, to restructuring and rescheduling of the facilities in case of change e.g. a disruption in macro-economic business environment.
• Debt collection – Where some facilities fall due in a portfolio follow the best remedial strategies of communication through mobile phones, emails, demand letters and ultimately guarantorship, and collateralization.
• Monitoring of Portfolio at Risk (PAR) in the assigned portfolios and advising management on areas of concern
• Ensuring collection and recovery systems are compliant with all relevant legislation and regulatory requirements.
• Ensure Client contract compliance in line with loan agreement/ approved terms and conditions.
• Prepare daily and monthly reports and any other report as may be required by the Management.

KNOWLEDGE, SKILLS AND EXPERIENCE

Formal Education:

• Bachelor’s degree in a Business-related field.
• Professional credit qualification e.g. Certified Credit Professional (C.C.P or C.P.A (persons currently pursuing will be considered)

Skills

(i) Technical Skills

• Excellent Analytical skills
• Excellent Report writing skills
• Good Negotiation skills
• Superb Customer service skills
• Good Planning and Organizing skills

(ii) General/Core skills

• Good Interpersonal skills
• People management skills
• Problem solving skills

(iii) Experience required

• Must have a minimum of three years’ practical experience in a financial institution.

Application process

If you believe you can clearly demonstrate your abilities to meet the above criteria, send in your application and a detailed C.V tohumanresource@k-unity.co.keby close of businessWednesday 19^th February 2025.