Credit Administrator

Kolomoni Microfinance Bank (Gambia) Limited is a CBG-licensed microfinance institution serving customers across The Gambia through a growing branch network. We are recruiting a Credit Administrator to take ownership of loan administration and portfolio control within our Credit function.

You are the control point between credit approval and money leaving the Bank: confirming that every approved facility is fully documented and that all conditions have been met before disbursement booking it accurately monitoring portfolio quality daily and producing the reporting Management the Credit Committee and the regulator rely on. The role carries the authority to stop a transaction where documentation or approval conditions are not satisfied.

WHAT YOU WILL DO

Validate approved facilities against final documentation and run the pre-disbursement checklist on every loan.

Book loans accurately in the core banking system terms rate tenor fees and repayment schedule.

Monitor the portfolio daily: PAR 1 PAR 30 PAR 90 NPL recoveries write-offs and maturities.

Produce daily weekly and monthly credit reporting to a fixed schedule.

Maintain audit-ready credit files and the credit exception restructuring and Credit Committee registers.

Supply Branches and the Recovery team with accurate overdue schedules and account balances.

Escalate discrepancies control breaches and portfolio deterioration to the Head of Credit.

WHAT WE ARE LOOKING FOR

Bachelors degree in Accounting Finance Economics Business Administration Banking or a related discipline.

At least three years in credit administration loan operations credit control banking or microfinance.

Hands-on experience with a core banking or loan management system.

A firm grasp of PAR NPL and portfolio-quality reporting.

Strong Excel and data-analysis skills and the instinct to notice when a number is wrong.

The discipline to hold a control line under pressure and the integrity to stop a transaction when it is wrong.