Credit Analyst Career Jobs – UGAFODE Microfinance Limited (MDI)

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Job Title:        Credit Analyst
Organization: UGAFODE
Microfinance Limited (MDI)
Duty Station: Kampala,
Uganda
Reports to: Credit Manager
About UGAFODE:
UGAFODE Microfinance Limited (MDI) is a registered financial
institution in Uganda and is adherent to the Central Bank’s regulations and
guidelines and was founded in 1994 to provide quality microfinance services.
Job Summary: The Credit Analyst
will determine our customers’ creditworthiness. The incumbent will analyze
financial data to assess the likelihood of a borrower honouring his/her
financial obligations. The jobholder will be responsible for general guideline
and direction on the implementation of best practice policies and procedures.
He/she will work directly with branch managers to ensure 100% compliance with the
organization’s credit lending policies and procedures
Key Duties and
Responsibilities:   
·        
Assess creditworthiness of existing or
prospective clients
·        
Examine financial transactions and credit
history case by case (applications, statements, balance sheets, legal documents
etc)
·        
Complete ratio, trend and cash flows analyses
and create projections
·        
Develop and delivering of staff training
programs covering appraisal techniques and recovery.
·        
Ensure adherence, refinement and development of
institutional policies and procedures.
·        
Continuously instilling a professional risk
awareness culture within the institution
·        
Support branches in assessment of loans for
exceptional approval by the various Credit Approval Committees.
·        
Carefully analyse data and produce clear and
objective daily, weekly and monthly credit performance reports to management.
·        
Ensure all client loan documentation is in
conformity with the policies and procedures
·        
Maintain a clean Loan Portfolio at Risk not
exceeding 5% PAR1day at any one time.
·        
Ensure that quality loan decisions are made at
Credit Committee level across the whole branch network and routinely monitor
loans for compliance
·        
Drive the overall profitability of the
organization by implementing cost controls and income generation efforts
especially from the written off loans and monitoring expenses to ensure
compliance to budget.
·        
Draft models of credit information that predict
trends and patterns
Qualifications, Skills and
Experience: 
·        
The
ideal candidate for the UGAFODE Credit Analyst job placement must hold a
Bachelor’s degree in Business Administration, Statistics or related field from a recognized university.
·        
At least three years relevant working experience
in a financial institution
·        
Professional credibility and high integrity
·        
Proven working experience as a credit analyst
·        
Proficiency in statistical packages and
financial software
·        
Up to date with legal, compliance and market
risk related issues
·        
Ability to analyze cash flows, leverage,
collateral and customer strength
·        
Strong communication, interpersonal and
presentation skills
·        
Sound judgement
How to Apply:
All suitably qualified and interested candidates should send their
applications which should include a cover letter and an up-to-date detailed CV,
certified copies of complete academic transcripts and professional
certificates. Your applications should include names of three professional
referees and a day-time telephone contact. Send them to:
Head of Human Resources,
UGAFODE Microfinance Limited (MDI),
Silva Arcade, Plot 62 Bombo Road,
P.O. Box 30815, Kampala. Uganda
Email to:
recruitment@ugafode.co.ug
Deadline: 2nd December,
2016
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