Mon-Fri: 08:30-4:00 pm
SAT 8:00 am- 12:00 pm



Job expires on 2022-01-14

Joinas Sacco wishes to recruit competent individuals to fill in the position of Loan Recovery Officers.


The Loan Recovery Officer will ensure that all loans are fully repaid in line with the credit related policies to prevent loss to the society due to non-repayment.

Other Responsibilties

  • Ensure timely appraisal of loan applications received by confirming the accuracy of required documentation, guarantors and completion of all required details as per the credit policy.
  • Monitor and follow up of the Loan Book through review of files and discussions with debtors on repayment plans.
  • Analyze and regularly review non-performing loans and initiate recovery plans
  • Carry out periodical visits to defaulters and delinquent customer’s securities and advice on the condition of the security;
  • Provide quality services in line with existing policies and service level agreement
  • Ensure the recovery exercise complies with credit policy and statutory regulations,
  • Liaise and monitor the execution of the recovery exercise by the external Service Providers
  • Maintain contacts and healthy relationship with customers and resolve any customer queries and complaints
  • Compile the required periodic loan recovery reports.


  • KCSE mean C and above.
  • Diploma in Credit Management or Bachelor's degree in Cooperative Management/Commerce from a recognized university.
  • Minimum one (1) year experience in debt recovery in a financial institution.
  • Adequate knowledge in SACCO's or Micro-finance institutions.
  • Strong interpersonal, communication, negotiation, analytical, administrative and computer skills.
  • Self-motivated team player with proven ability to work with strict deadlines as well as to develop and maintain relationships.
  • Valid driving license and Valid certificate of good conduct.
  • Application Procedure:

    Interested and qualified candidates are invited to submit their hand written application letter, curriculum vitae and copies of relevant qualifications by Close of Business FRIDAY 14th JANUARY 2022. Current and expected salary should be quoted in the application letter.

    Only shortlisted candidates will be contacted.

    The Application should be addressed to:

      P.O BOX 669-00219