Credit Analyst Agricultural Lending Job Opportunities – UGAFODE Microfinance Limited (MDI)

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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 Agricultural Lending will
undertake an intermediary role between the branches and Head Office. He/she
will be in charge of analyzing credit data and financial information contained
in the credit proposals submitted to Head Office by the various branches and
making recommendations to the relevant approval committee(s). The goal is to
determine the risk of non-payment of loans that have been applied for. The
level of risk will be used to determine if the loan should be granted or
declined.

Key Duties and Responsibilities: 
  • Receiving loan proposal documents sent to Head Office by the various
    branches of UGAFODE
  • Analyzing loan data and financial statements in order to determine
    the level of risk involved in granting loans to agricultural loan
    applicants
  • Analyzing the security documentation and values of client’s
    securities to determine that they are sufficient in line with policy
    requirements of UGAFODE
  • Evaluating the financial status of clients and their agribusinesses
    using financial ratios with the aim of establishing their credit repayment
    capacity
  • Preparing credit reports following review of the credit requests
    sent in from branches
  • Recommend agricultural loan facilities to the relevant approval
    committee for approval in line with credit approval policy of the
    institution.
  • Following up of loan requests with branches and other departments
    such as Legal Department which are involved in the loan disbursement
    process to ensure that loans are disbursed in a timely manner.
  • Creating mirror files for all cases submitted to Head Office by the
    branches as a complete record of each case for future reference where
    needed.
Key Result Areas:
  • Coordination of all agricultural lending activities
  • Agricultural loan underwriting standards
  • Agriculture loan portfolio quality
  • Agriculture loan portfolio growth
  • Credit Officer productivity
  • Building Credit staff capabilities

Qualifications, Skills and Experience: 
  • The ideal candidate for the UGAFODE Microfinance Limited (MDI)
    Credit Analyst Agricultural Lending job must hold a Bachelor’s Degree in Agricultural
    Economics or related field
  • Three years’ experience as a Credit Analyst specializing in
    Agriculture
  • Strong knowledge of Microsoft Office suite
  • Able to research and evaluate data to make informed decisions and
    solve problems
  • Strong mathematical and analytical skills.
  • Sense of discretion and willingness to maintain strict
    confidentiality of pertinent and sensitive information
How to Apply:
All suitably
qualified and interested persons who meet the above criteria should submit
their cover letter together with an up-to- date CV and Academic documents as
one document to: recruitment@ugafode.co.ug (Please indicate the position you
are applying for in the subject line). Applications should be addressed to the
Head of Human Resource
Deadline: 22nd January 2019
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