The Ugandan Jobline

• Oversees the day to day management of the Credit administration
  functions and credit risk management processes for an area
• Develops loan portfolio objectives, policies and procedures for the
  area
• Provides guidance to loan officers engaged in lending activities.
• Monitors loan review activities in an area to minimize losses and to
  ensure that lending practices adhere to existing policy guidelines
• Analyses and evaluates credit, prepares and coordinates submission
  and approval of preliminary risk proposals.
• Tracks approved transactions/limits, monitors and reports clients’
  credit status and UGAFODE ML’s lines status (i.e. over-availments,
  excesses) on a monthly basis.
• Formulates and recommends enhancement of credit and collection
  guidelines, policies and procedures..
• Examines group and individual loans applications and documentations
  prior to loan approval and ensures that adequacy and completeness
• Examines all loan applications and ensures the adequacy and
  completeness of pre-loan eligibility requirements; client screening
  criteria; collateral; loan approval authority level; repayment terms and
  incentives; delinquency, and default management
• Manages the recovery, safekeeping and disposal of repossessed items
  to maximize credit recoveries
• Reviews and ensures accuracy of credit and lending reports generated
  by the Credit Investigator/Appraiser.
• Implements effective delinquency measurement and loan loss
  monitoring procedures and trains all lending operations, loan processing
  and credit management staff on credit risk management
• Ensures compliance through un- announced spot checks and audits of
  the branches in the assigned area.
• Monitors loan accounts, loan payments, delinquent accounts and
  write-offs are within the acceptable past due rate.
• Maintains and ensures strict compliance of a sound credit granting
  process where neither the Area manager nor the Branch management can
  override the credit-granting and monitoring process of the bank.
• Ensures that the credit granting transactions are based primarily on
  the strength of the borrower’s paying capacity. Maintains appropriate
  credit administration, reviews and classification; ensures a continuous,
  ongoing, timely and accurate credit review, and a complete, adequate and
  up to date loan/collateral administration.
• Monitors the possible financial loss resulting from default of its
  borrowers or from the depreciation in value of the assets held by the
  branches, especially assets acquired by the branches in settlement of
  loans.
• On regular and periodic basis evaluates and reports on loan accounts
  with the respective credit limits reflecting the risk associated with the
  nearer term liquidation of positions in the event of default.
• Closely monitors non-performing loans and provides periodic status
  reports the credit and risk manager
• Visits customers at random to get first hand information on lending
  practices as perceived by customers.
• Ensures regular audits and spot checks and ensures lending processes
  and loan administration activities adhere to existing policy guidelines
  including adequacy and security of collateral
• Checks the arithmetic calculations to ensure accuracy in interest
  paid and received.
• Any other duties and responsibilities as may be assigned by the
  supervisor and Branch Manager

• Ensures credit officers provide comprehensive suite of financial
  services to UGAFODE clients, including credit and savings products.
• Provide advice and guidance to credit officers on appropriate
  methods for cross selling other UGAFODE products, including savings, to
  clients.
• Provide advice and guidance to credit officers on strong customer
  relationship building and promotion of lasting account relationships

• Keeps abreast of current developments in micro finance and banking
  industry including micro and macro environmental factors and trends,
  credit management and risk management tools and approaches
• Keeps abreast of micro finance products and poverty eradication
  strategies through local and international networking activities.
• Identifies, assesses and meets personal training and development
  needs through relevant professional and commercial training and networking
  activities

• The ideal candidates for the UGAFODE IT Service Desk Officer job
  placement must hold Bachelor’s degrees in any business related field from
  a reputable university or college
• Credit Administration Experience and Training
• Three years of related work experience and/or training in a bank,
  lending or financial company
• Above average experience, knowledge and training in all aspects of
  credit administration including credit investigation, appraisal of real
  estate properties, transportation facilities, machinery and equipment
  gained from a financial, banking and/or micro lending background
• Knowledge and experience in facilitating the registration of loan
  collateral with the appropriate government agencies (e.g. Register of
  Deeds, Land Transportation Office, etc.)
• Knowledge and experience in lending, credit and risk management
  including pre-loan eligibility requirements, client screening, collateral,
  product design, loan approval processes, repayment terms and incentives,
  delinquency and default management

• Knowledge of the micro-finance and banking industry including micro
  and macro environmental factors and trends, micro finance products and
  poverty eradication strategies
• Knowledge of related statutory banking compliance regulations,
  banking laws, business law, local employment and labour laws, internal
  operational policies and procedures, and transformation, lending, and
  banking products and services
• Understands the trends and scope of operational and credit risks in
  the micro finance and banking industry, and its impact upon the MFBI ’s
  commercial activities
• An in-depth knowledge about a wide range of micro lending and
  savings products and services

• Planning, budgeting, implementation, and evaluation skills
• Excellent organization, time, work and self-management skills
• Excellent skills in organizing, scheduling and administration of the
  paperwork and branch visits
• Ability to establish daily and monthly priorities and activities and
  manage own diary
• Ability to plan, coordinate and monitor own work plan and handle
  heavy workload
• Ability to work well under pressure and against conflicting
  deadlines
• Ability to act with initiative in all matters and handle
  confidential information with utmost discretion
• Ability to interpret documents and understand credit and lending
  administration procedures
• Ability to adapt and work co-operatively and effectively with Area
  and branch management
• Ability to handle difficult people and tense situations with
  diplomacy and tact
• Ability to set and deliver business goals
• Ability to provide strategic guidance on cross selling and customer
  engagement

• Practical skills in preparation and consolidation of credit and risk
  management reports
• Exceptional oral, written and interpersonal communication skills
  with the ability to communicate clearly and persuasively, interpret
  documents, understand procedures, write reports and correspondence; speak
  clearly to third parties and employees
• Ability to consolidate and prepare credit and risk reports
• Ability to meet reporting expectations of Management
• Ability to maintain high standards of accuracy in the information
  and advice provided to management

• Team building skill and experience with the ability to enthuse,
  inspire, develop and motivate employees
• Ability to supervise, train, providing feedback, support and
  encouragement
• Relationship building and diplomatic interpersonal skills
• Excellent organization, delegation, performance management,
  administration, analytical and time management skills
• Has a positive “can do” mentality and has the ability to exploit all
  available resources to accomplish objectives
• Ability to motivate others by personal role modelling, professional
  credibility, and trust
• Ability to deal with complex problems involving multiple facets and
  variables in non-standardized situations
• Ability to communicate, enthuse and inspire staff to give their best
  in order to achieve goals
• Ability to handle difficult people and tense situations with
  diplomacy and tact
• Organization, analytical, communication, assertive, influencing,
• Initiative, personal drive and excellent negotiation skills

• Calculation of interest, commissions, proportions, and percentages;
  Balancing of accounts
• Addition, subtraction, multiplication, division in all units of
  measure using whole numbers, common fractions and decimals
• Skill to locate routine mathematical errors
• Computation of rate, ratio and percent, including the drafting and
  interpretation of business financial reports and bar graphs

• Intermediate skills personal computer operation
• Bankers realm user skills
• Reporting and communication software programmes – word processing,
  PowerPoint presentation, and spreadsheet and speed to meet production
  needs of the position

• Excellent interpersonal skills
• Energetic and ability to be active throughout and willingness to
  learn
• High level of honesty, integrity and confidentiality
• Excellent communication skills and high level of customer care
• Willing to work long hours with minimum supervision

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