Several Senior SME Relationship Officer Job Opportunities – EFC Uganda Limited (MDI)

Organization: EFC Uganda
Limited (MDI)
Duty Station: Kampala,
Uganda
Reports to: Branch Manager/
Branch Network Manager/Executive Director
About US:
EFC Uganda Limited (MDI) is a leading deposit taking Microfinance
Company supervised by the Bank of Uganda and it provides financial services to
micro and small size enterprises (MSEs). Its major purpose is to provide
increased access to specialized financial services for entrepreneurs while
contributing to wealth creation, improvement of living conditions and
development of the Ugandan private sector.
Job Summary: The Senior SME
Relationship Officer is primarily responsible to develop a business community
profile and ongoing business relationships with entrepreneurs by offering value
added expertise and advice with a personalized approach. He or she develops and
manages a customer portfolio and contributes to the accomplishment of the EFC
business plan objectives. It is the primary objective of the Senior SME
Relationship Officer to accelerate the growth of credit products through
supporting Branch credit teams in achieving the set operational and
institutional targets, to build customer satisfaction and loyalty by
maintaining a mutually beneficial business partnership relationship. This
position is accountable to:
  • Offer
    entrepreneurs a high standard of service that is both efficient and of
    sufficient quality to meet their specific needs and expectations;
  • Determine
    the needs and expectations of both existing and potential entrepreneurial
    customers in terms of financing, investment and other supplementary
    products and services;
  • Appraise
    and assess customer loan applications;
  • Prepare
    assessments and recommendations for Head Office Credit Analyst review; and
  • Educate
    customers and potential customers regarding their obligations and
    responsibilities regarding loan reimbursement.
Key Duties and
Responsibilities:  
  • Help
    customers to identify their needs and advise them regarding the selection
    of products and services that meet their financial objectives;
  • Co-ordinate
    with branch staff to book loans and ensure portfolio growth.
    • Support the branches to book
      loans 30m and above
    • Review all loans above 30m
      that have been booked for further Approval.
    • Manage relationship for big
      loan clients.
  • Review
    and resolve client queries and complaints in order to maintain quality
    service delivery of all loans above 30m
  • Maintain
    Accurate and detailed written records of all collections and recovery
    efforts for loans in arrears and written off loans.
  • Mobilize
    saving deposits to reduce on costs of borrowing.
  • Carry
    out all responsibilities and duties indicated in your performance
    contract.
  • Follow
    up on audit supervisory and complaint findings and implement the
    recommendation there from.
  • Appraise,
    coach and mentor subordinate staffs.
  • Perform
    business development activities to grow business with existing customers
    and to attract new customer business opportunities by identifying
    and proposing products and services that meet their needs;
  • Market
    and sell EFC loan and investment products and services that correspond
    with the specific customer profile and need;
  • Follow
    the advancement of customers’ financial circumstances, their needs
    and their overall satisfaction to maintain a mutually secure, lasting and
    profitable business relationship;
  • Perform
    loan application financial analyses and recommend strategies concerning
    the adjustment or recovery of loans in difficulty.
Other tasks and responsibilities that will enable the fulfilment of the
above noted responsibilities include:
  • Developing
    an action plan to identify measurable and attainable sales objectives for
    the products and services offered by the EFC as well sales objectives
    for the acquisition of new customer business for submission to as required
    for discussion and approval;
  • Supporting
    customers in the evaluation and improvement of their financial position
    through the development of objectives and appropriate action plans;
  • Proposing
    appropriate funding alternatives for customer projects;
  • Carrying
    out the offer and sale of financing and savings’ products as well as all
    other supplementary services designed for entrepreneurs;
  • Performing
    activities related to the follow-up of loans and specialized
    savings;
  • Participating
    in various marketing activities, in particular market research on the
    needs of various target market business sectors, the establishment and
    conservation of relationships with entrepreneurs and representation
    activities;
  • Performing
    various activities to promote the quality of analyses and administrative
    follow-up of the files, and support service officers for the sale and
    offer of supplementary services;
  • Maintaining
    a high quality of expertise in the range of products and services
    offered for the targeted markets;
  • Identifying
    customers who would benefit from EFC products and services;
  • Advising
    customers regarding loan application procedures together with loan terms,
    conditions and interest rates;
  • Receiving
    customer loan requests and preparing and evaluating the loan application
    in detail:
    • Checking and validating
      customer information as provided in the loan application by visiting
      their home and place of business and obtaining supporting documents for
      authentication as required,
    • Determining customer
      credibility and moral character and assessing if the application complies
      with EFC credit policies,
    • Analyzing customer financial
      statements, personal balance sheets, forecasts, available collateral,
      external factors etc.;
  • Making
    a recommendation regarding customer loan applications and presenting same
    to the Credit Analyst for review and onward transmission to the
    Credit Committee for decision;
  • Making
    follow-up visits with customers after loan disbursement to verify use of
    funds and oversee an effective and exact recovery of overdue loans;
  • Managing
    the assigned loan portfolio within the quality standards
    established by the EFC;
  • Conducting
    proper loan recovery activities as prescribed by the EFC;
  • Performance
    of any other related duties and responsibilities as assigned by the
    Assistant Manager Credit.
Key Performance Indicators:
  • Increase
    on credit portfolio
  • Reduction
    on written off loans
  • Quality
    loan portfolio with PAR maintained at below 5%
  • Achievement
    of the set targets
  • Timely,
    accurate and quality credit applications.



Qualifications, Skills and
Experience: 
The SME Relationship Officer requires good practical knowledge of MSME
lending in the financial services sector and the foresight to see how the
intricate day-to-day activities link with and support the achievement of the
vision and mission of the EFC.In this regard, specific qualifications and
requirements include:
  • Bachelors
    in Economics, Development studies, Business studies, finance and
    accounting, Commerce, Social science, Project planning and management.
  • At
    least two years relevant experience in Credit Management and
    handling.
  • Strong
    analytical, sales and marketing skills;
  • Strong
    people / relationship skills;
  • Excellent
    Credit Management skills, communication skills;
  • Knowledge
    of investigation and evidence gathering techniques;
  • Ability
    to work, under pressure tight deadlines to achieve sales targets;
  • Self-motivated,
    confident, energetic, team player and creative.
How to Apply:
All suitably qualified and interested candidates are encouraged to send
a letter of interest explaining their motivation for the position applied for
together with their Curriculum Vitae, three professional references and copies
of academic certificates/diplomas. The complete applications must be sent via
E-mail only to: HR_OFFICER@efcug.com.
NB: The job title should
be included in the subject of each application.
Deadline: 6th October 2017 by
02:00 PM

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