Fresher Customer Service Jobs – Relationship Officers – EFC Uganda Limited (MDI)




Job Title:       Relationship Officer
Organization: EFC Uganda Limited (MDI)
Duty Station: Kampala, Uganda
Reports to: Credit
Supervisor/ Assistant Manager/Credit Coordinator
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
Relationship Officer will build customer satisfaction and loyalty by
maintaining a mutually beneficial business partnership relationship. The
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/she develops and
manages a customer portfolio and contributes to the accomplishment of the EFC
business plan objectives.
Key Duties and Responsibilities:
  • 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;
  • 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 products and services that correspond with the specific
    customer profile and need;
  • 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
  • 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 make recommendations to credit committee for loan
    approval/rejection.
  • Carrying
    out the offer and sale of credit and savings’ products as well as all
    other supplementary services designed for entrepreneurs
    Authenticating documentation presented for all credit applications and
    ensure they meet the KYC requirements and any other requirements as
    required by the regulators;
  • Ensuring
    compliance with the EFC General Credit Policy, Procedures and
    Process;
  • 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,
  • Analysing customer financial statements,
    personal balance sheets, forecasts, available collateral, external factors
    etc.;
  • Verify that securities are provided and
    forwarded for perfection;
  • Appraisal
    of potential customer loan applications and make recommendations to the
    Credit Committee;
  • Active
    participation in Credit Committee;
  • Making
    follow-up visits with customers after loan disbursement to verify use of
    funds, to anticipate and proposed solutions for potential risks of
    default;
  • Managing
    portfolio under him/her to ensure good performance within the quality
    standards established by the EFC;
  • Ensure
    all applicants are advised on fate of applications within reasonable time;
  • Proactively
    managing risk /exposure for assigned portfolio continuously by making
    proper follow up as per Credit Policy;
  • Conducting
    proper loan recovery activities as prescribed by the EFC;
  • Performance
    of any other related duties and responsibilities as assigned by
    supervisor.



Qualifications, Skills and
Experience: 
  • The Relationship Officer requires good
    practical knowledge of MSE 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
  • The applicant must hold a university degree in Business related
    studies;
  • One
    year of relevant experience; 
  • Excellent
    report writing and financial analysis skills,
  • Strong
    sales and marketing skills;
  • Strong
    people / relationship skills;
  • Excellent
    oral and written communication skills;
  • Organizational
    and negotiation skills
  • Knowledge
    of investigation and evidence gathering techniques;
  • Ability
    to work under pressure tight deadlines to achieve sales targets;
  • Self-motivated,
    confident, energetic, and creative.
  • Self-starter,
    willingness to go an extra mile, deliver on deadlines, ability to align to
    the company culture and approach, team player
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: 27th January 2018
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