2 Credit Analyst Job Placements – UGAFODE Microfinance Limited (MDI)

Job Title:        Credit Analysts (2 Job
Placements)
Organization: UGAFODE
Microfinance Limited (MDI)
Duty Station: Kampala,
Uganda
Reports to: Head
of Credit
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 Analyst will determine our
customers’ creditworthiness and analyze financial data to assess the likelihood
of a borrower honouring his/her financial obligations. He/she will work
directly with branch managers to ensure 100% compliance with the organization’s
credit lending policies and procedures.
Key Duties and Responsibilities: 
·        
Assess
creditworthiness of existing or prospective clients
·        
Examine
financial transactions and credit history case by case (applications,
statements, balance sheets, legal documents etc)
·        
Complete
ratio, trend and cash flows analyses and create projections
·        
Develop
and delivering of staff training programs covering appraisal techniques and
recovery.
·        
Ensure
adherence, refinement and development of institutional policies and procedures.
·        
Continuously
instilling a professional risk awareness culture within the institution
·        
Support
branches in assessment of loans for exceptional approval by the various Credit
Approval Committees.
·        
Carefully
analyse data and produce clear and objective daily, weekly and monthly credit
performance reports to management.
·        
Ensure
all client loan documentation is in conformity with the policies and procedures
·        
Maintain
a clean Loan Portfolio at Risk not exceeding 5% PAR1day at any one time.
·        
Ensure
that quality loan decisions are made at Credit Committee level across the whole
branch network and routinely monitor loans for compliance
·        
Drive
the overall profitability of the organization by implementing cost controls and
income generation efforts especially from the written off loans and monitoring
expenses to ensure compliance to budget.
·        
Draft
models of credit information that predict trends and patterns


Qualifications, Skills and Experience: 
·        
The
ideal candidate for the UGAFODE Credit Analyst must hold a Bachelor’s degree in
Business Statistics or a business related field from a recognized university
·        
Three
years of proven working experience as a credit analyst or a similar role in a
financial institution
·        
Professional
credibility and high integrity. 
·        
Proficiency
in statistical packages and financial software
·        
Up to
date with legal, compliance and market risk related issues
·        
Ability
to analyze cash flows, leverage, collateral and customer strength
·        
Strong
communication, interpersonal and presentation skills
·        
Sound
judgement
·        
Flexible
and willing to work in any of our Branches / Regions
How to Apply:
All suitably
qualified and interested persons who meet the above criteria should submit
their motivation letters together with an up to date CV to our email only:
recruitment@ugafode.co.ug (please indicate the position you are applying for in
the Subject Line ‘’Application for Credit Analyst”). Applications should be
addressed to the Head of Human Resources.
Deadline: 13th July 2018
For more of the
latest jobs, please visit http://www.theugandanjobline.com or
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