Credit Officer

The Credit Officer will assess the creditworthiness and borrowing capacity of enterprises, advise businesses on improving their credit readiness and facilitate access to appropriate debt financing. The position will involve analysing financial performance, cash flows, repayment capacity and credit risks, supporting the preparation and appraisal of credit applications, and developing relationships with financial institutions to improve access to suitable financing for enterprises.

Interested applicants should submit their applications by email to hr@findingxy.com

• 1.1. Credit assessment and appraisal
• Identify and develop a pipeline of enterprises with potential credit needs and financing opportunities.
• Conduct credit assessments and due diligence on enterprises seeking financing on enterprises to evaluate their creditworthiness, borrowing capacity and suitability for debt financing.
• Analyse financial statements, management accounts, bank statements, cash flows, existing indebtedness and other relevant financial information to determine repayment capacity.
• Assess credit risks, including financial, operational and business-related risks, and recommend appropriate mitigation measures.
• Evaluate available collateral, guarantees and other credit enhancement arrangements, where applicable.
• Prepare credit appraisal and due diligence reports documenting assessment findings, identified risks and financing recommendations.
• 1.2. Credit readiness and enterprise advisory
• Assess enterprise credit readiness and identify gaps affecting access to debt financing.
• Advise enterprises on improving financial record-keeping, cash flow management, debt management and overall creditworthiness.
• Support enterprises to determine appropriate borrowing requirements and understand available credit products, financing terms, and repayment obligations.
• Advise on suitable loan structures, including financing amounts, repayment periods and schedules based on enterprise cash flows.
• Support enterprises to prepare credit applications and the supporting financial and business documentation required by lenders.
• 1.3. Credit facilitation and portfolio monitoring
• Identify suitable debt financing opportunities and credit products offered by banks, microfinance institutions, SACCOs and other financial service providers.
• Facilitate linkages between credit-ready enterprises and appropriate financial institutions and credit providers.
• Liaise with financial service providers to support due diligence, follow up on credit applications and track financing decisions and disbursements.
• Monitor the progress of supported enterprises through the financing pipeline and, where applicable, track repayment performance and emerging credit risks.
• Maintain an updated database of credit providers, financing products, enterprise assessments and financing outcomes.
• Prepare periodic reports on credit assessments, enterprise credit readiness, financing applications and access to debt financing.
• Document lending trends, recurring credit constraints and opportunities to inform Finding XY's enterprise financing interventions.

• A bachelor's degree in Finance, Accounting, Banking, Economics, Business Administration or a related field.
• A relevant professional qualification in banking, credit management, accounting or finance is an added advantage.
• At least three (3) years of relevant experience in credit assessment, credit administration, SME lending, banking, microfinance or related financial services.
• Demonstrated experience in credit appraisal, financial statement analysis, cash flow assessment and credit risk analysis.
• Strong proficiency in Microsoft Excel and financial analysis tools.

Interested candidates should submit their applications by email to hr@findingxy.com no later than 30 Nov 2026.

Email subject: Credit Officer Application – Your Full Name