Several Fresher Credit Officer Career Jobs – UGAFODE Microfinance Limited (MDI)

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Job Title:         Credit Officer (Several Fresher Jobs)
Organization: UGAFODE
Microfinance Limited (MDI)
Duty Station: Jinja,
Mbarara, Lira, Mbale, Rukungiri, Ntungamo, Ibanda, Ishaka, Lyantonde, Rushere,
Mpigi, Sembabule, Kyotera and Kagadi, Uganda
Reports to: Credit
Supervisor
About US:
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.
Job Summary: The Credit
Officer is mainly responsible for recruiting of clients and visiting
prospective clients homes and business to access the credit worthiness   and will manage the portfolio effectively
and efficiently to ensure sustainability.
Key Duties and
Responsibilities:  
Promotion of products and origination of new clients:
  • In charge of marketing of the Individual
    lending products
  • Client mobilization and sensitization on
    all loan individual loan aspects
  • Build and maintain portfolio of quality
    clients rapidly and consistently to reach target portfolio within assigned
    period.
  • Work closely with community organizations,
    business associations, and individual entrepreneurs
Conduct loan evaluations according to policies and procedures:
  • Develop an accurate evaluation of each
    client’s capacity and willingness to repay the requested loan.
  • Correctly complete loan application and
    evaluation forms;
  • Arrange and undertake business site
    visits;
  • Verify and cross-check all information
    relevant to the loan application and evaluation;
  • Evaluate the willingness and capacity to
    repay of the client;
  • Ensure an appropriate guarantee is in
    place and documented;
  • Determine and present loan terms and
    conditions to credit committee.
Credit committee member:
  • Actively participate in credit committees
    providing input on other members’ loan proposals;
  • Prepare and present own loan proposals to
    credit committee.



Provide high-quality customer service:
  • Build relationships with each client to
    support the business success and cultivate loyalty.
  • Offer suggestions and referrals where
    appropriate and within company policy;
Manage and recover late repayments:
  • Implement late repayment recovery
    procedures of UGAFODE;
  • Achieve and maintain targets on portfolio
    at risk and loan loss;
  • Regularly monitor repayment reports daily
    and client behavior patterns.
Build community rapport:
  • Build rapport with community, business
    associations and leaders;
  • Be known and visible in the community;
Qualifications, Skills and
Experience:
  • The ideal candidates for the UGAFODE
    Credit Officer jobs must hold Bachelor’s degrees in Microfinance or
    related field
  • Two years experience in Microfinance
    Institution
  • High level of integrity and commitment to
    excellence
  • Good customer service and relational
    skills
  • Excellent communication skills
NB: You can also find this on the UGAFODE Microfinance website.
How to Apply:
All suitably qualified and interested candidates should send their
cover letters and up-to-date CVs only via E-mail to: recruitment@ugafode.co.ug
((Please indicate the position you are applying for and the branch where you prefer to be placed – you should be conversant with the local language spoken in the area).
Address them to:
Head of Human Resources,
UGAFODE Microfinance Limited (MDI),
Silva Arcade, Plot 62 Bombo Road,
P.O. Box 30815, Kampala. Uganda
Deadline: 1st March 2018
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