Several Credit Officer Job Vacancies – Habitat for Humanity International (HFHI)

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Job Title:    Credit Officer (Several
Job Vacancies)

Organisation: Habitat
for Humanity International (HFHI)

Duty Station: 
Uganda

Reports to: Branch
Supervisor

About US:

Habitat for Humanity
International is a non-profit, ecumenical Christian housing ministry. The
purpose and goal of Habitat for Humanity International is to eliminate poverty
housing and homelessness from the world, and to make decent shelter a matter of
conscience and action. Habitat invites people of all backgrounds, races and
religions to build houses in partnership with families in need. Habitat for
Humanity has Administrative Headquarters based in Atlanta, an Operational
Headquarters based in Americus, Georgia, and Area Office bases of operations in
Manilla, Philippines for our Asia and Pacific work, San Jose, Costa Rica for
our Latin American and Caribbean work and Bratislava, Slovakia for our Europe,
the Middle East and Africa work.

Job Summary:  The Credit Officer will be guiding,
coordinating and carrying out credit and related activities at the branch.

Key Duties and Responsibilities: 

  • Arranging and organizing awareness
    seminars on services and products offered by Habitat for Humanity Uganda.
  • Carrying out training programs using
    prescribed modules of interest to the clients.
  • Assisting credit applicants or borrowers
    during the application process.
  • Liaising with local leaders in the
    respective localities with a view to identify, assess, appraise and
    approve loan applicants.
  • Assessing the creditworthiness of
    potential borrowers and advising management accordingly.
  • Participate in the credit committee
    meetings at the branch.
  • Follow-up loan applications referred to
    the National Office for Approval.
  • Timely disbursement of credit
    facilities.
  • Supervise loan beneficiary projects
    during the loan term to ensure proper use.
  • Ensuring timely recovery of loan
    instalments and interest thereof from borrowers.
  • Participate in the compilation of loans
    and Financial Education reports to be submitted to the National Office on
    a routine basis.
  • Assisting the Branch Supervisor in
    determining bad debts, if any, and the compilation of returns thereof to
    the National Office.
  • Ensuring proper handling of
    organizational assets (Funds, Computers, Motor-cycles, and Cameras, etc)
    attached to the branch to facilitate credit operations.
  • Ensure proper record keeping and safety
    of client documentation by maintaining an adequate filing system.
  • Carrying out any other duties assigned
    to him/her by the Branch Supervisor

Key Result Areas:

  • Maintaining an average loan portfolio of
    not less than 200 active clients.
  • Maintain a repayment rate of not less
    than 95% for clients less than 30 days past due.
  • Maintain at a Portfolio at Risk (PAR)
    greater than 30 days past due of not more than 5%.
  • Maintain a Loan Use Verification rate of
    at least not less than 95% per Quarter.
  • Supervise and conduct training sessions
    for Potential and Active clients: Sensitization Meetings and Financial
    literacy trainings.
  • Maintain a Quarterly Portfolio Growth
    (in terms of clients) of not less than 5%.
  • Maintain an average outstanding loan
    portfolio of at least not less than UGX.250 Million.
  • Disburse loans and monitor their
    performance.

Qualifications, Skills and Experience: 

  • The ideal candidate must hold a Diploma
    in the disciplines of microfinance, economics, business administration, or
    banking and finance.
  • Specialized knowledge of and experience
    with savings-led microfinance delivery methodologies.
  • At least three years of experience working
    for a non-governmental organization or a reputable Microfinance
    Institution preferred
  • Willing to uphold Christian Principles
    at HFHU
  • Prior experience in some aspect of
    project cycle management.
  • Excellent verbal and written
    communication skills.
  • Experience with monitoring and
    evaluation tools and systems.
  • Excellent Computer skills in Microsoft
    word, excel and point power
  • Ability to work effectively
    independently or in a team environment.
  • Excellent analytical and problem solving
    skills;
  • Excellent inter-personal skills;
    demonstrating diplomacy and tact.
  • High level of integrity combined with
    ability to make bold and timely decisions
  • Highly pro-active and self-disciplined.
  • Willingness to travel.
  • Knowledge of the local languages.
  • Ability to ride a motor cycle with a
    valid permit is a must

How to Apply:

Applicants should
Send CV, cover letter and relevant academic documentation by email to the Human
Resource Department on: hr@hfhuganda.org. Please note that only short listed
candidates will be contacted and any form of lobbying will lead to automatic
disqualification

Deadline: 2nd August 2019 by 5:00pm

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