Job Title: Credit Analyst
Organization: UGAFODE
Microfinance Limited (MDI)
Microfinance Limited (MDI)
Duty Station: Kampala,
Uganda
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.
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
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:
Responsibilities:
·
Assess creditworthiness of existing or
prospective clients
Assess creditworthiness of existing or
prospective clients
·
Examine financial transactions and credit
history case by case (applications, statements, balance sheets, legal documents
etc)
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
Complete ratio, trend and cash flows analyses
and create projections
·
Develop and delivering of staff training
programs covering appraisal techniques and recovery.
Develop and delivering of staff training
programs covering appraisal techniques and recovery.
·
Ensure adherence, refinement and development of
institutional policies and procedures.
Ensure adherence, refinement and development of
institutional policies and procedures.
·
Continuously instilling a professional risk
awareness culture within the institution
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.
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.
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
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.
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
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.
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
Draft models of credit information that predict
trends and patterns
Qualifications, Skills and
Experience:
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.
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
At least three years relevant working experience
in a financial institution
·
Professional credibility and high integrity
Professional credibility and high integrity
·
Proven working experience as a credit analyst
Proven working experience as a credit analyst
·
Proficiency in statistical packages and
financial software
Proficiency in statistical packages and
financial software
·
Up to date with legal, compliance and market
risk related issues
Up to date with legal, compliance and market
risk related issues
·
Ability to analyze cash flows, leverage,
collateral and customer strength
Ability to analyze cash flows, leverage,
collateral and customer strength
·
Strong communication, interpersonal and
presentation skills
Strong communication, interpersonal and
presentation skills
·
Sound judgement
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:
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:
[email protected]
[email protected]
Deadline: 2nd December,
2016
2016
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