Credit Committee
Facilitating rapid, equitable access to affordable credit while upholding stringent credit risk management and member financial well-being.
Mandate & Overview
The Credit Committee of Nairobi Water Regulated NWDT Sacco Society Limited holds the statutory responsibility for appraising, vetting, approving, and monitoring all loan facilities extended to members, ensuring strict adherence to the Society’s Credit Policy and SASRA guidelines.
Our core commitment is to ensure that credit serves as an engine of financial liberation and growth for every member, offering fair consideration, minimal interest rates, and transparent procedures.
Pillars of Credit Administration
Fair & Swift Loan Appraisal
Thorough appraisal of loan applications against member ability to pay, checking savings adequacy, collateral/guarantorship, and credit history to ensure sustainable borrowing.
Credit Risk & Portfolio Health
Continuous tracking of the loan book to minimize Non-Performing Loans (NPL), maintaining sector-leading recovery rates and safeguarding Society assets.
Product Optimization
Regularly reviewing credit facilities (Normal loans, Super Emergency, School Fees, and Scholar Plus) to ensure repayment terms and ceilings match member lifestyle requirements.
Member Credit Counseling
Providing confidential advisory support to members navigating temporary economic challenges, offering restructuring options and debt management counseling.
Ready to Fund Your Goals?
Take advantage of our friendly terms, flexible repayment periods, and low interest rates to realize your personal and business dreams.