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Job Title:     Credit Officer

Organization: Habitat
for Humanity Uganda

Duty Station: Uganda

About US:

Habitat for Humanity Uganda (HFHU) affiliated to Habitat for
Humanity International (HFHI) is an Ecumenical Christian Ministry that welcomes
to its work all people dedicated to the cause of eliminating poverty housing.

Job Summary:   The
main purpose of this job is to guide, coordinate and carry out credit and
related activities at the branch.

Key Duties and Responsibilities: 

·      
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 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.

·      
Arranging and organizing awareness seminars on
services and products offered by Habitat for Humanity Uganda.

·      
Carrying out training programmes 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

Qualifications, Skills and Experience:

·      
The ideal candidate should have at least a
Diploma in the disciplines of microfinance, economics, business administration,
or banking and finance.

·      
At least three years working for a reputable
Microfinance Institution preferred.

·      
Willing to uphold Christian Principles of 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 to the field for
microfinance related duties.

·      
Knowledge of the local languages.

·      
Ability to ride a motor cycle with a valid
permit is a must

How to Apply:

All interested and qualifies candidates  Please send a cover letter, resume and copies
of relevant academic credentials to hr@hfhuganda.org clearly indicating the
position applied for in the subject line.

Habitat for Humanity Uganda is an Equal Opportunity Employer
and does not discriminate on the basis of sex, race, age, nationality, origin,
ethnic background, disability or any other characteristic protected by law.

Deadline: 28^th
February 2020

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