Relationship Officer

World Vision is an international Christian relief, development and advocacy organisation working in almost 100 countries world-wide to create lasting change in the lives of children, families and communities to overcome poverty and injustice.

Relationship Officer

Key Responsibilities

Sales, Marketing & Client Recruitment (10%)

• Identify, recruit and onboard new clients in line with the branch’s business growth targets.

• Assess client needs and recommend appropriate loan products and financial services.

• Achieve assigned targets for new borrowers, repeat borrowers, outstanding loan balance (OLB), and product uptake.

• Apply the 5Cs of credit when assessing prospective clients.

• Build strong client relationships, address customer concerns and promote client retention.

Loan Disbursement, Collections & Portfolio Quality (20%)

• Ensure loan applications meet the required credit policy and documentation standards before disbursement.

• Monitor loan repayment schedules and conduct timely follow-ups on outstanding balances.

• Use T24 reports, including delinquency, client status and group status reports, to guide disbursement and collection decisions.

• Ensure compliance with group lending and arrears eligibility requirements before further disbursements.

• Identify early warning signs of delinquency and implement appropriate collection and recovery measures.

• Contribute to maintaining Portfolio at Risk (PAR) within approved organizational targets.

Client Training & Advisory Services (10%)

• Conduct pre-loan training in accordance with VisionFund Kenya’s policies and procedures.

• Facilitate monthly post-loan training on business management, financial literacy, loan repayment and responsible borrowing.

• Educate clients on loan products, terms, conditions and repayment obligations.

• Provide appropriate business and financial advisory services to clients.

• Promote client awareness, satisfaction, transformation and retention.

Group Management & Client Relationships (5%)

• Attend scheduled group meetings and maintain accurate attendance registers.

• Ensure all required client and group documentation is complete and up to date.

• Monitor group activities, repayment commitments and compliance with group lending procedures.

• Conduct and document client business visits before and after loan disbursement.

• Ensure loan appraisal discussions and approvals are properly documented in group meeting minutes.

Loan Appraisal & Administration (30%)

• Conduct baseline surveys and client assessments before recommending loans.

• Evaluate clients’ creditworthiness through business assessments, cash-flow analysis, income verification and repayment capacity reviews.

• Apply the 5Cs of credit to assess lending risks and ensure responsible lending decisions.

• Verify client information and supporting documentation for accuracy and completeness.

• Facilitate effective group credit committee processes in accordance with established policies.

• Prepare accurate loan appraisal reports and recommendations within the applicable approval framework.

• Maintain complete and reliable loan records in accordance with credit policies and procedures.

Portfolio Monitoring & Risk Management (10%)

• Monitor loan portfolio growth, repayment performance and quality at individual and group levels.

• Identify and escalate emerging credit risks, suspected fraud, deteriorating repayment capacity and other portfolio concerns.

• Conduct follow-up visits and implement corrective measures in collaboration with the Relationship Manager.

• Support the reduction of delinquency and the improvement of borrower retention.

• Ensure portfolio-related issues are addressed promptly and in accordance with organizational procedures.

T24 Reporting & Data Management (5%)