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.
Requirements
WHAT WE ARE LOOKING FOR
▪ Bachelor's 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.
Skills Required
- Bachelor's degree in Accounting, Finance, Economics, Business Administration, Banking, or a related discipline
- At least three years of experience in credit administration, loan operations, credit control, banking, or microfinance
- Hands-on experience with a core banking or loan management system
- Knowledge of PAR, NPL, and portfolio-quality reporting
- Strong Microsoft Excel and data-analysis skills
- Ability to maintain transaction controls and stop incorrect transactions
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What We Do
CapitalSage Holdings is an indigenous, innovation-driven African conglomerate operating across financial technology, agribusiness, and healthcare. It began as a microfinance institution and evolved into a group focused on sectors that support Africa’s future. Through technology-enabled financial solutions, the company seeks to expand access to financial services and promote financial inclusion in Nigeria and beyond while building value across its businesses.
