Credit and Business Development Officer

Key Responsibilities

• Credit Origination, Appraisal & Loan Structuring 
• Receive, screen, register, and process credit applications in line with FIYMA eligibility criteria, MESPT credit policies, and approval workflows.
• Identify and mobilize eligible SACCOs, cooperatives, MSMEs, and organised youth/women groups for access to programme credit facilities.
• Conduct comprehensive credit appraisal and due diligence, including: borrower financial analysis business viability assessment, governance and management capability review and market assessment, value chain mapping, and value chain risk analysis.
• Undertake field verification visits to confirm client operations and risk exposure, including site visits to business premises, farms/production sites, and related value chain actors.
• Maintain accurate records in systems including application status, approvals, disbursements, and monitoring schedules.
• Any other duties assigned by the FIYMA Credit and Business Development Manager

Key Deliverables (KPIs)

• Number and quality of viable financing opportunities sourced (pipeline).
• Disbursement volume and number of facilities booked within approved turnaround time (TAT).
• Portfolio quality indicators: PAR 30/60/90, default rate & NPL ratio.
• Quality of credit appraisals (accuracy, completeness, minimal exceptions).
• Monitoring compliance rate 
• Inclusion targets achieved (youth/women/PWD participation).
• Partner satisfaction and retention / repeat business.
• Documentation quality and audit outcomes (minimal documentation gaps).

Job Purpose

• The Credit and Business Development Officer will support the FIYMA Programme to expand sustainable access to finance for youth, women, and MSMEs by originating, appraising, structuring, and monitoring credit facilities through partner financial institutions and Market Actors. The role combines business development and credit execution to ensure that financed clients are viable, repayment capacity is sound, and portfolio quality is maintained in line with FIYMA credit guidelines and MESPT Credit Policies.

Knowledge, Experience & Skills

• Minimum 2 years’ experience in credit management, MSME financing, or cooperative/SACCO lending.
• Strong knowledge of agricultural finance, value chains, and green financing.
• Credit structuring and documentation.
• Portfolio monitoring and early warning detection.
• Knowledge of agricultural finance dynamics (seasonality, price volatility, production risks).
• Practical experience in loan processing, portfolio monitoring, and recovery.
• Excellent negotiation, communication, and customer relationship skills.
• Good report writing and presentation skills.