Credit Analyst Agricultural Lending Jobs – 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: 13th March 2019
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