Credit Administration Officer - B2G

Job Description

Process approved loan applications accurately in the core banking or loan management system within the agreed turnaround time (TAT).

Verify that all loan approval conditions, supporting documents, and customer information are complete before processing and disbursement.

Create, update, and maintain accurate customer and loan records in the system.

Upload and maintain loan application forms, agreements, and all supporting documents in the system and customer files.

Process loan disbursements, amendments, restructures, renewals, and loan closures in accordance with approved authorizations.

Ensure all loan documentation complies with the institution's credit policies, operational procedures, and regulatory requirements.

Coordinate with Relationship Managers, Credit Risk Officers, Operations, Finance, and other departments to facilitate smooth loan processing.

Monitor pending loan applications and follow up on outstanding documentation or approval conditions to ensure timely processing.

Prepare and submit accurate reports on loan processing, disbursements, documentation status, and other credit administration activities.

Support internal and external audits by maintaining complete, accurate, and secure credit records while ensuring confidentiality of customer information.

Guide customers through the loan application process in the system

Capture and submit Watumishi loan applications in the Government ESS/UTUMISHI portal, verify employee check numbers, vote codes, and employer details, and follow up on employer and UTUMISHI approvals until deduction codes are activated.

Verify salary slips, bank statements, and employer confirmation letters, and confirm affordability under the statutory one-third (1/3) net take-home salary rule before disbursement.

Reconcile monthly payroll deduction remittances received from the Treasury/employers against loan repayment schedules and post repayments accurately in the loan management system.

Identify and follow up missed or partial payroll deductions (arising from salary stoppages, staff transfers, retirement, termination, or death) and escalate unresolved cases to the Relationship Manager for recovery action.

Process loan buyoff/takeover settlements to other financial institutions, obtain settlement and liquidation letters, and update loan records accordingly.

Skills Required

Spreadsheets (e.g. Excel, Google Sheets, etc)
Word Processing and Desktop Publishing Tools (MS Office, Google Docs, etc)