Several Loans Officer Job Opportunities – BAP Finance

Job
Title:            Loans Officer (Several Job
Opportunities)
Organization: BAP
Finance
Duty Station: Gulu,
Uganda 
Reports to: Credit
Supervisor
About US:
BAP Finance is
delivering the products and services to rural farmers to unlock potentials and
propel communities forward. To catalyze farmers to realize their potential BAP
Finance offers asset financing directly to the Base of the Pyramid (BoP). Our
first product, a bicycle, connects farmers to market and other basic life
needs. Our portfolio is growing with new assets that push upward mobility.
We’re dedicated to serving farmers who are financially excluded and yet need
access to assets on credit.
Job Summary:  The Loans Officer will have the overall
responsibility to ensure a high quality loan portfolio.
Key Duties and Responsibilities: 
Group/Individual
Repayments (40%):
  • Call or text group executives two to three days before repayment
    dates
  • Attend all loan repayments
  • Ensure and enforce attendance of groups at loan repayments
  • Ensure repayment schedules, group receipts, and passbooks are up to
    date and accurate
    .
  • Supervise repayments to ensure timely repayments from all clients
Applications and
Appraisals of clients (25%):
·        
Evaluate
the credit worthiness of individuals using the individual application and
appraisal forms
·        
Use BAP
policies strictly when carrying out client application and appraisal processes
·        
Going
above and beyond the individual appraisal to use good judgment in loan
processes
Loan Distribution
(10%):
·        
Coordinating
logistics of loan disbursements
·        
Ensuring
bicycles are disbursed to named applicants
·        
Ensure
all applications and agreements are dually signed and completed
Monitoring and
Defaulting Clients (10%):
·        
Proactively
follow-up with clients who miss payments, starting from the day they miss
·        
Comply
with BAP Finance follow-up procedures for defaulting clients
·        
Assess
late fines, and repossess collateral when necessary, according to
organizational policies and procedures
Administrative
Tasks (10%):
·        
Maintain
and update written and electronic loan records, as well as other client or
group documents
·        
Field
enumeration and data reporting
·        
Write
all necessary loan reports
·        
Photocopying,
data entry, and answering phone calls as necessary
·        
Other
tasks deemed necessary by the supervisor
Strategy (5%):
·        
Work
with management to improve loan procedures and policies
·        
Work
with management to achieve, or exceed, quarterly and annual organization goals
Key Result Areas/ Accountabilities:
·        
Thorough
and accurate evaluation of creditworthiness, including home visits for each
client
·        
Maintain
strong repayment rate (over 90%) and below 1% Portfolio at Risk (PAR30)
·        
Show
accountability for defaulting loans with proactive outreach and follow-up with
clients from the first day they miss payment
·        
Maintain
strong relationships with group executives, and clients, and community leaders
·        
Ensure
paper and electronic group records match, are accurate and up to date


Qualifications, Skills and Experience: 
·        
The
Loans Officer must hold a diploma or degree in relevant field (Finance,
Business, etc.)
·        
The
applicant must have one year of experience in a similar role at a credit
institution, preference given to those who have worked at a Microfinance
Institution (MFI)
·        
Experience
working with VSLAs, or farmer’s groups
·        
Familiarity
with agriculture
·        
Fluency
in both Luo and English, with strong written and oral communication skills
·        
Ability
to ride motorcycle long distances daily
·        
Be able
to work independently
·        
Computer
skills including a loan database, Microsoft Word and Excel, as well as, the
ability to learn new programs
·        
Extremely
organized, detail-oriented, fast-paced and efficient with a high level of
integrity
·        
Able to
work independently in an unstructured environment where systems and processes
are being built or improved everyday
How to Apply:
All candidates
should apply online here:  Click Here
 For those who cannot apply online you can
hand-deliver your Updated Resume to: BAP Gulu office, Senior quarters: 30 Eden
Road P.O. Box 1025 Gulu. 
NB: All
candidates hand-delivering resumes must fill an application form from the
office before they leave. Candidates who do not fill the form will not be
considered.
Deadline: 18th January 2019.
For more of the
latest jobs, please visit http://www.theugandanjobline.com or
find us on our facebook page https://www.facebook.com/UgandanJobline




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