The Ugandan Jobline

• The incumbent will grow the business by
  identifying potential clients.
• Conduct loan appraisals for applying
  clients and recommend to the Credit Manager for a credit decision.
• Manage portfolio to ensure good
  performance; clients pay on time.
• Ensure all applicants are advised on
  fate of applications within reasonable time.
• Proactively manage risk /exposure for
  assigned portfolio
• Recover the loans in accordance with the
  loan agreements.
• Build, strengthen and manage the
  relationships between the Company and clients.
• Provide technical guidance/assistance to
  the clients to use sound practices in their organizations.
• Actively participate in promotion and
  dissemination of relevant information, procedures and guidelines about the
  Company to different stakeholders.
• Take part in the process of defaulter
  recovery at the office and in the field
• Compile periodic performance reports on
  clients under his/her areas of supervision for submission to the Manager.
• Supervise clients to abide by the agreed
  loan terms in the contract.
• Collect all debts and reconcile with client
  and Manager
• Actively participate in identification
  of Risks and provide mitigation.
• Maintain an up-to-date qualified
  pipeline on all new business prospects looking for loans.
• Evaluate credit worthiness by processing
  loan applications and documentation within a specified limit.
• The incumbent will interview applicants
  to determine financial eligibility and feasibility of granting the credit
  facilities.
• Direct walk in loan applicants/potential
  clients on the loan requirement process, and address any questions &
  queries about the process.
• Establish rapport with borrowers and
  educate customers about the business loan policy and procedure
• Obtain and compile copies of loan
  applicants’ credit histories, personal financial statements and any other
  related financial information
• In charge of the daily engagement and
  negotiation of payment arrangements with customers/clients who have
  delinquent/overdue loans
• Daily communication with
  clients/customers either by telephone, electronically or face to face with
  loans due within two days
• Respond promptly to customer/client
  inquiries
• Process and follow up client/customer
  loans and requests in a timely manner
• Manage and resolve customer/client
  complaints
• Direct loan requests and unresolved loan
  issues to the Managing Director
• Computation of a payment schedule/loan
  amortization schedule for all walk in clients for all loans approved by
  the Managing Director

• Increased credit portfolio.
• Proper and timely assessment of credit
  applications.
• Well maintained loan portfolio.
• Recovery and low Non performing loans.

• The ideal candidate should preferably
  hold a First Class, Second Class Upper or Second Class lower Degree in
  Business-related courses from a recognized University.
• Two years of experience in loans
  administration, recovery, etc
• Good problem solving skills.
• Excellent customer care and
  interpersonal skills.
• In-depth knowledge of the principles governing Banking & Corporate Law, Land Law, Mortgages and Leasing, among others;
• Excellent negotiation skills with ability
  to assess issues and be assertive / firm with clients as required.
• Excellent communication skills,
  telephone manners and techniques and interpersonal skills.
• Ability to work autonomously and take
  responsibility.
• Ability to understand terms and conditions
  of contracts, to analyze slow moving accounts and outline a collection
  strategy to resolve each case.
• Computer literacy skills are essential
  and mandatory.
• Knowledge of basic book keeping
• High levels of integrity.

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