14 No Experience Credit Officer Job Opportunities – UGAFODE Microfinance Limited (MDI)

Organization: UGAFODE
Microfinance Limited (MDI)
Duty Station: Jinja,
Mbarara, Mpigi, Kyotera, Lyantonde, Ishaka, Ntungamo, Ibanda, Rukungiri,
Kagadi, Lira, Sembabule, Rushere and Mbale, 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,
    Education or related field
  • High level of integrity and commitment
    to excellence
  • Good customer service and relational
    skills
  • Excellent communication skills
How to Apply:
All suitably
qualified and interested candidates should send their motivation letters and
up-to-date CVs only via E-mail to: recruitment@ugafode.co.ug (Applicants should indicate the position, lending methodology that they are applying for as well as the branch where they prefer to be placed. They should be conversant with the local language spoken in the area). Applications
should be addressed to the Head of Human Resource and will be shortlisted on a
rolling basis.
Deadline: 14th May 2018
For more of the
latest jobs, please visit http://www.theugandanjobline.com or
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