💼 Job Opportunity – Loans Clerk at ADOK SACCO

📅 Date Posted: 5th October 2026
🏢 Organization: ADOK Savings & Credit Co-operative Society Ltd
📌 Position: Loans Clerk (1 Vacancy)
👤 Reporting To: Manager
📍 Location: Kerugoya, Church House, Ground Floor
⏳ Application Deadline: 27th October 2026

📢 Vacancy Announcement

ADOK Savings & Credit Co-operative Society Ltd, a growing licensed SACCO, invites applications from dynamic, self-driven, and qualified professionals for the position of Loans Clerk.

The successful candidate will support the SACCO’s lending operations by appraising loan applications, monitoring repayments, maintaining accurate credit records, and ensuring compliance with established lending policies and regulatory requirements.

🎓 Key Qualifications and Requirements

Applicants should meet the following requirements:

• Academic Qualification: Diploma in Co-operative Management, Credit Management, Banking, or any business-related course.
• Professional Qualification: CPA Part II or Certified Credit Professional (CCP) will be an added advantage.
• Work Experience: At least 2 years of relevant experience in credit or loans within a SACCO, microfinance institution, or bank.
• Technical Skills: Proficiency in Microsoft Office and SACCO Management Systems or Core Banking Systems.
• Credit Knowledge: Sound understanding of SACCO lending principles, credit appraisal, and SASRA compliance.
• Additional Requirement: A valid Certificate of Good Conduct.
• Age Requirement: 26–40 years.

📋 Duties and Responsibilities

The Loans Clerk will be responsible for the following:

1. Receiving, verifying, and appraising loan applications in accordance with the SACCO’s credit policy.
2. Assessing member eligibility based on deposits, guarantors, income, repayment ability, and CRB status.
3. Preparing accurate loan appraisal reports and recommendations for approval.
4. Ensuring loan documentation is complete, compliant, and properly filed before disbursement.
5. Maintaining updated loan registers, guarantor records, and collateral records.
6. Processing approved loans within the agreed turnaround time.
7. Monitoring loan performance, following up on repayments, and managing arrears collection.
8. Issuing notices to defaulters, negotiating repayment plans, and preparing demand letters.
9. Responding to member inquiries about loan products, eligibility, and repayment terms.
10. Marketing and cross-selling SACCO products, including savings, loans, and other services, to grow membership and the loan portfolio.
11. Preparing periodic credit reports covering disbursements, recoveries, delinquency, and portfolio at risk.
12. Ensuring compliance with the SACCO Credit Policy, SASRA regulations, and internal procedures.

📄 Application Requirements

Interested and qualified candidates should submit handwritten applications accompanied by copies of the following documents:

• Academic and professional certificates
• Testimonials
• National Identity Card
• Pastor’s recommendation
• Curriculum Vitae (CV)

📬 How to Apply

Applications should be hand-delivered during working hours to the ADOK SACCO office at Church House, Ground Floor, Kerugoya.

Address the application to:

THE CHAIRMAN
ADOK SACCO LTD
P.O. Box 338–10300
Kerugoya, Kenya

📍 Delivery Location: ADOK Office, Church House, Ground Floor, Kerugoya.

📅 Application Deadline: 27th October 2026

📞 Telephone: +254 746 261 817
📧 Email: adokinvestment@gmail.com

⚠️ Important: Applications must be submitted on or before the stated deadline. Only candidates who meet the specified qualifications and requirements should apply.