THE OPPORTUNITY & RESPONSIBILITIES 
-Inkomoko Kenya Senior Investment Officer is responsible for the items below: 

Due diligence and Contracts preparation (40%)

• -Respond to inquiries from prospective borrowers, support them to apply for our loan products.
• -Introduce the loan products to entrepreneurs, explaining the requirements for repayment and the
• seriousness of taking on debt financing.
• -Introduce the loan products to SMEs, Refugees and host community entrepreneurs,
• -Conduct due diligence on prospective borrowers, including site visits, document preparation,
• coordination with the Business Development Associate, etc.
• -Communicate all materials to the Loan manager and Portfolio Director and assist in preparing credit
• reports for Investment Committee meetings.
• -Take photos of entrepreneurs, have them sign photo waivers, and post their stories on Kiva platform.

Portfolio management (20%)

• -I'd appreciate it if you could offer outstanding customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships with borrowers.
• -Work with African Entrepreneur Collective to ensure borrower success and Visit clients for monitoring.
• -Track information about borrowers and communicate effectively with key stakeholders about client
• Status. Actively participate as a key staff in the weekly Portfolio Review Meeting.
• -Maintain a tracking system of borrower payments and contact information.
• -Interact with government leaders, cot. Jrt system, refugee's and host communities' stakeholders and others for follow up on lack of payments.
• Work with the Finance & Admin Director/Accountant to reconcile the lending transactions.
• Ensure that we are adhering to the requirements of our Kiva, BNR, CRB and other regulatory entities.
• Detailed knowledge of lending products
• Other duties as assigned by supervisor

Loan Management System (20% time)

• Maintain and demonstrate proficiency with loan software applications
• Work with system providers to utilize applications to fullest capacity, streamlining processes and procedures, ensuring accuracy and compliance
• Assist with system parameters and design to meet the needs of multiple departments.
• Manage user security access.
• Direct loan input (system boarding) and verification procedures for all loans.
• Ensure proper segregation of duties, develop and maintain workflows for all stages of loan input.
• Advise the Management team how to automate key lending processes.
• Supervise all aspects of the loan operations. This supervision includes posting of payment, payoffs, and balancing, disbursing loan funds.
• Ensure lending staff is provided with updates and procedural changes.
• Participates in the review and recommendations of operational systems and procedures.
•  Successfully interact with lending staff to improve accuracy and efficiencies of Loan management system
•  Other duties as assigned by supervisor

• Ensure all staff under your supervision are compliant with organizational HR policies, credit policy and implement disciplinary actions when they are not.
• Be a good ambassador in ensuring the organizational culture is understood and followed through by all staff under your supervision.
• Represent the company in a highly professional manner in stakeholders' and government meetings and events in the absence of a Loan manager.
• Acting the loan manager in his absence.
• Elevate important trends, risks, and other notable activities to management.

WHO WE ARE LOOKING FOR;

Investment officer will be a trusted partner of Inkomoko Kenya clients, and basic qualifications Include:

• University degree in Finance or other related field
• Must speak fluent English and Swahili. Knowledge of other local languages is a plus
• Experience in group savings and group lending investments is preferred
• Experience in Islamic lending and practice is STRONGLY PREFERRED
• Strong financial and accounting skills; familiarity with business financial policies in Kenya
• Experience in investment management, microfinance, capital leases, and access to finance for
• Micro businesses and SMEs is STRONGLY preferred
• Prior experience dealing with customers/debt
• Prior experience in a lending environment
• Experience providing business advice to entrepreneurs
• Prior experience in Investment management system software
• Decisive individuals with ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors pay off the entire debt
•  Experience in managing difficult clients and reaching positive outcomes
•  Very strong attention to details and good follow through
• Comfort with the civil court system, and previous experience in litigation preferred
•  -Unrelenting perseverance, personal integrity, and critical thinking skills
• - 4+ years of work experience in relevant or applicable field
•   Must be able to legally work in Kenya. 

Method of Application