Relationship Officer Trainee (Several Fresh Graduate Jobs) – EFC Uganda Limited (MDI)

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 Trainee 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;
  • Participate
    in the 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 ideal candidate must hold a University degree in Business related
    studies;
  • CGPA
    of 3.0+
  • At
    least 3 months of internship/ work experience;
  • Strong
    people/relationship skills with a customer service and teamwork orientation;
  • Action
    and results oriented with good time management;
  • Key
    personal competencies – Teamwork, innovation, computer literacy and
    ability to learn and transfer skills.
  • Result
    oriented with ability to work under pressure tight deadlines to achieve
    sales targets;
  • Self-motivated,
    confident, energetic, and creative.
  • Proactive,
    Self-starter, willingness to go an extra mile, deliver on deadlines,
  • Fluent
    in English.
  • The Relationship Officer Trainee 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.
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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