About This Role
This is a credit risk gatekeeper role at a microfinance institution, where you would be assessing loan applications from small business owners and low-income borrowers who often lack formal collateral or credit history. Unlike commercial bank credit roles that lean heavily on standardized scoring, microfinance credit decisions require judgment calls about character, cash flow patterns, and community reputation. Unity MFI operates in Ethiopia's growing microfinance space, a sector that serves borrowers the formal banking system typically overlooks, so the work carries real social weight alongside commercial pressure to keep default rates low.
What the Requirements Say About This Role
The seniority tag combined with a minimum of a bachelor's degree signals that this employer values demonstrated field experience over academic pedigree—they want someone who has actually sat across from borrowers, reviewed repayment histories, and made tough call decisions. The broad list of acceptable degree fields suggests they care more about analytical capability and sector familiarity than a specific specialization. Expect them to probe for evidence of portfolio management experience, comfort with loan documentation, and the ability to mentor junior officers or review work others have prepared.
How to Approach This Application
Emphasize any hands-on experience with loan appraisal, client assessment, or portfolio monitoring—concrete numbers matter here, such as portfolio sizes managed, default rates you helped reduce, or loan volumes processed. Given the seven-day application window, move quickly and submit a clean, focused CV rather than a lengthy one. If you have microfinance or SACCO experience specifically, lead with that; if your background is in commercial banking, frame your transferable skills around client assessment and risk analysis rather than product knowledge.
Who This Role Suits
Best suited for someone with several years of credit or lending experience in microfinance, rural finance, or cooperative banking who is ready to take on more responsibility without leaving client-facing work. Competition is likely moderate—the short deadline and specialized sector narrows the applicant pool, but Addis-based finance roles always draw strong interest.
VACANCY ANNOUNCEMENT
Date: 22 October 2026
Unity Microfinance Institution invites qualified, competent, and interested candidates to apply for the following vacant positions. The Institution is seeking motivated professionals who meet the stated qualifications and experience requirements. Successful candidates will be employed on a full-time basis in accordance with the Institution’s employment policies and procedures.
Position: Senior Credit Officer
Location: Addis Ababa
. Salary: Based on the company’s salary scale and applicable employment policy.
Application Deadline: Applications will be accepted for seven (7) consecutive days from the date of this announcement
Minimum Qualification
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, Management, or a related field.
Minimum Relevant Work Experience - Minimum of 5 years of relevant experience in credit, portfolio management, banking, or microfinance, with at least 2 years in a credit officer , portfolio, or supervisory role.
How To Apply
Required Application Documents
Interested applicants are required to submit the following documents:
- Application letter
- Updated Curriculum Vitae (CV)
- Copies of educational certificates
- Copies of relevant work experience certificates, where applicable
Note: The application letter must indicate the location and position applied for.
How to Apply:
Interested and qualified candidates should submit their complete application documents through the following channels:
Telegram: 0990878352
Phone: 0990878352
Only shortlisted candidates will be contacted for further assessment and/or interview.
We encourage qualified and motivated candidates to apply within the stated deadline.
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Senior Credit Officer
Unity Micro Finance Institution S.C
