Junior Credit Analyst at VisionFund Kenya

Job Description

VisionFund Kenya formerly known as KADET Ltd was founded by World Vision Kenya in 2000, with an aim to establish a microfinance organization that would institutionalize professionalism in effective credit intermediation and economic empowerment through business support for remote communities. Over the years, VisionFund Kenya has steadily developed a dominant niche as the preferred rural financier, alongside developing a portfolio that demonstrates the sustainability of rural finance.

In partnership with World Vision Kenya, VFK is committed to economic empowerment of Kenya’s remote communities and works mainly by developing loan products that not only utilize the economic acumen of the customer, but also build their social and financial knowledge for both long and short term financial stability. The organization thus improves the lives of children in Kenya by offering small loans and other financial services to families living in poverty. Our work empowers our clients to grow successful businesses which enable children to grow up with improved health and education. Applying the principles of our Christian ministry we work in partnership with World Vision; committed to long-term change which will unlock potential for future generations.

VFK uses the group-based methodology for credit lending to its customers. This is not only cost effective but is also a prerequisite to effective outreach and rural penetration. Individual lending products are however selectively offered commensurate to the dynamic needs of a client. Overall, VFK offers Asset Loans, Business Loans, Agriculture Loans and School Fees Loans.

Our Vision
Our vision for every child, life in all its fullness;
Our prayer for every heart, the will to make it so

Our Mission
We improve the lives of children living in poverty
We empower women and their families with small loans and other financialservices
We unlock the potential for communities to flourish
We improve the lives of children living in poverty. Our services in the developing world unlock the potential for small businesses to grow. This enables children to grow up with improved health and education giving them the foundations to build a positive future.
We empower women and their families with small loans and other financial services. We help create real and lasting change by giving our clients, both women and men, the training and support to run successful businesses that will provide a sustainable income.
We unlock the potential for communities to thrive. VisionFund Kenya is part of World Vision, a Christian relief, development and advocacy organisation. Applying the principles of our Christian ministry we work together to provide the foundations for local economies to flourish in healthy and safe communities.
The Junior Credit Analyst will assist in evaluating and managing the credit risk for individual and business loans within the organization. The role requires a blend of analytical skills, attention to detail, and an understanding of microfinance lending practices. This position offers an opportunity to grow within the field of credit risk assessment and management and contribute to financial inclusion efforts in underserved communities.

The holder of the position will focus on and deliver the following key responsibilities:

Review loan applications by verifying financial documents and conducting preliminary credit assessments using financial models.
Analyze financial statements, cash flow projections, collateral valuations, and financial ratios to determine applicants’ creditworthiness and financial health.
Evaluate key risk indicators, including repayment capacity, business viability, and the 5Cs of credit, to assess loan eligibility and mitigate potential risks.
Identify trends, patterns, and red flags that may impact repayment behavior or loan performance.
Provide recommendations on loan structuring, pricing, and risk management based on analysis.
Track loan performance, detect early warning signs of potential defaults, and support strategies to minimize delinquencies through follow-ups and resolutions.
Support the Credit Hub Manager in recommending loan approvals while ensuring compliance with internal policies and regulatory requirements.
Oversee accurate completion of loan documentation and verify the authenticity of borrower documents such as identification, income proof, and collateral.
Ensure timely and accurate disbursement of approved loans in coordination with relevant teams.
Prepare detailed credit reports with clear recommendations and maintain thorough records of loan decisions and communications.
Collaborate with loan officers, branch managers, and other teams to gather information necessary for credit assessments.
Maintain strong client relationships and provide timely responses to inquiries related to loan applications, assessments, and repayments.
Offer guidance and training to loan officers on credit analysis methods and best practices

JOB REQUIREMENTS

Certificate/Diploma/Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
A minimum of 2 years of experience in credit analysis, financial analysis, or a related field. Experience in microfinance or community banking is a plus.
Strong understanding of financial statements and basic financial ratios.
Proficiency in Microsoft Excel (e.g., data analysis, financial modelling) and other MS Office applications.
Familiarity with credit scoring models and loan management software is an advantage.
Strong analytical skills with attention to detail.
Excellent communication skills, both written and verbal.
Ability to work under pressure and meet deadlines.
Good interpersonal skills and the ability to work effectively within a team.
Strong ethical standards and commitment to ensuring fairness and transparency in credit decisions.
Willingness to engage with clients and understand their financial situations while providing guidance and assistance.
The candidate must be a professing and practicing Christian whose conduct and depth of character are governed by personal Christian convictions.