VACANCY ANNOUNCEMENT

Position: Community Credit Officer

Organization: WAY Ministries

Reporting to: Executive Director

Application Email: jobs@wayministriesmw.org

Copy: Kondowecaesar@gmail.com

Deadline: 15th June 2026

About the Role

WAY Ministries wishes to recruit a highly qualified and experienced person to serve in the position of Community Credit Officer.

As a front-line position, the Community Credit Officer works directly with the communities to implement credit activities and ensure the quality of credit management in accordance with the standards and goals of microfinance within the area in charge. The successful candidate will report directly to the Executive Director.

Main Duties and Responsibilities

• Monitor loan performance, ensure timely repayments, and initiate collections to maintain high repayment rates
• Carry out client expansion activities, propaganda, and advocacy according to the operation plan
• Carry out orientation trainings for all new clients and credit groups or clusters established in the communities in accordance with the regulations and guidelines of the microfinance
• Strictly comply with credit regulations and policies
• Select clients, review loans, and carefully appraise loans before submitting to the Loan Review Board for approval to disburse
• Regularly monitor the loans in groups or clusters to ensure publicity and transparency
• Accurately prepare the monthly loan collection plan of every client, group, or cluster within the areas in charge and submit to the Executive Director for approval
• Strictly monitor loan payments to ensure no overdue debt in accordance with the cash management policy
• Closely check and monitor the loan usage purpose of clients by regularly visiting clients before and after disbursement
• Keep all records and relevant documents in accordance with program regulations
• Support other staff officers in case of overdue debt or loan officer's absence
• Propose and apply feasible measures to prevent and or terminate overdue debt (if any) within the areas in charge
• Build a monthly individual plan and get approval from the Executive Director, contributing to the effective implementation of the overall plan
• Prepare and update accurately and timely all reports including loan collection plans, reports of overdue debt or late payment, and loan outstanding
• Take part in making monthly, quarterly, and annual operation plans
• Actively participate in general monitoring and evaluation
• Ensure work plans are developed and approved by the Executive Director
• Ensure relevant reports are completed according to regulations with high quality
• Comply with relevant regulations and policies such as finance
• Note potential for future growth where duties may include travel to rural areas in the Lower Shire to execute similar micro-credit projects

Education Qualification, Knowledge and Skills

• Minimum of Bachelor's degree in Banking, Finance, Economics, or Business Administration with 2 years' experience in areas of microfinance, budgeting and reporting, and partner monitoring
• Communication skills in spoken and written English as well as Chichewa
• Ability to work with vulnerable populations and have a customer service oriented mindset
• Ability to establish good rapport and relationships with Village Chiefs, Village Development Committees (VDCs), and representatives
• Ability to work independently at times without constant supervision
• Ability to travel to peri-urban areas surrounding Blantyre (Machinjiri, Nkolokoti, and Ndirande)
• Ability to drive a motorcycle is an asset (not a requirement)
• Computer skills: Google Sheets, Google Docs, MS Word, MS Excel, MS PowerPoint, and general internet skills such as web browsing and email
• Active, adaptable, and having team spirit
• Assertive, creative, patient, and having integrity
• Honest, enthusiastic, and inquisitive
• Willingness to support, articulate, and demonstrate WAY Ministries' core values in meaningful ways to children and communities

How to Apply

Interested candidates are requested to submit their application letters including their CVs, a copy of their highest qualification, and contact details with three traceable referees (of which one must be a current employer) to:

By Post:

The Executive Director

WAY Ministries

P.O. Box 2588

Blantyre

By Email:

jobs@wayministriesmw.org

Copy: Kondowecaesar@gmail.com

Deadline

15th June 2026

Only shortlisted candidates will be contacted.