Entry Level Relationship Officer, SME Job Opportunities – UGAFODE Microfinance Limited

Organisation: UGAFODE Microfinance Limited
Duty Station: Kampala, Uganda
Ref: HR/STAFF/VAC – 05/09/7/20
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 Relationship Officer, SME will be responsible
for acceleration of growth of Portfolio within the SME Suite through building
customer satisfaction and loyalty by offering value added expertise and advice
with a personalized approach thus maintaining a mutually beneficial business
partnership to derive growth in line with approved targets and within the
institution’s annual operating plan.
Key Duties and Responsibilities:  
·       
Clients
mobilization
: Supports all
efforts at branch level to enroll new client’s by participating in client
mobilization campaigns and or sales drives, scheduling meeting sessions for
potential loan and account opening applicants to obtain information on UGAFODES
financial products and services, and answering questions about the product
types and features, product requirements, product pricing, terms, conditions
and benefits.
·       
Credit
appraisals and analysis:

Analyses loan applicants’ financial status, credit, and property evaluations to
determine feasibility of granting loans to be submitted to the branch credit
committee in compliance with set loan standards of the institution.
·       
SME
Loan portfolio growth:

Aggressively champion the growth of individual SME loan portfolio through
promoting growth in outstanding portfolio and disbursements.
·       
SME
portfolio quality: Maintains and manages a qualitative Asset book and provides
support the in the recovery and regularization of loans in arrears for SME
Suite customers in line with the UGAFODE (MDI) policies and procedures.
·       
SME
Business Appraisals and Analysis:
Prepares credit files, complete with accurate and valid information and
present recommendations to the credit committee for further
considerations/approval in line with UGAFODE (MDI) credit policy and
procedures.
·       
Member
of SME Suite Credit Committee:

Responsible for presenting client’s loan application files and defending them
with facts, business cases and analyzed information to support a credit decision
to be reached by the branch credit committee (loans below 5M) or referred to
the region/ Head office (loans above 5M).
·       
Credit
reporting:
Undertakes reporting
(day- to-day and weekly) on all client loan compliances, non- compliances,
incidents arising out of bad loans and trends in loan repayments as well as any
feedback to support a qualitative portfolio.
·       
Adherence
to Compliance standards
:
Ensures SME loans are in compliance to all UGAFODE set standards and controls,
loans advanced are within the Risk appetite guidelines of the bank and ensuring
an effective and efficient SME relationship management.
·       
Management
of delinquencies:
Implement
loan recovery activities targeting all loans in arrears and ensuring complete
documentation of all recovery efforts through preparation of Call reports and
issue of appropriate demand notices to clients.
·       
Loan
documentation
: Responsible for
collecting, receiving, completing and updating all client loan files with loan
information as and when needed.



Qualifications, Skills and Experience:
·       
The applicant
for the UGAFODE Microfinance Limited Relationship Officer, SME job placement
must hold a Bachelor’s degree in business administration, or finance. A good
track record of sales management is a Must.
·       
Two years
of experience in Microfinance or banking.
·       
Experience
working with a financial institution and have been involved in credit and or
relationship management is desirable.
·       
Extensive
and in-depth knowledge of banking services and products, basic credit
management skills.
·       
Knowledge
of the full MS Office suite
·       
Strong
relationship management skills
·       
High
level of honesty, integrity and confidentiality.
·       
Strong
analytical power and innovative abilities.
·       
Business
drive, energetic and enthusiastic attitude.
·       
Influencing
and negotiation skills.
·       
Able to
meet deadlines.
How to Apply:
If you believe you
meet the requirements as stated, submit an application letter together with an
up- to-date CV to our email: recruitment@ugafode.co.ug. Please indicate the job
title and vacancy reference number for the job you are applying for in the
Email Subject Line. Your applications should be addressed to the Head of Human
Resources and the closing date for receiving all applications is September 11,
2020.
https://www.ugafode.co.ug/
Deadline: 11th September 2020
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latest jobs, please visit http://www.theugandanjobline.com
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