The Ugandan Jobline

• 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.

• 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.

• 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.

• 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.

• 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.

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