Fresher Credit Officer Job Vacancies – Credit Junction Limited


Job Title:        Credit Officer

Credit Junction Limited

Duty Station:
Kampala, Uganda


About US:

Credit Junction
limited is a top Micro credit and technology solutions company dully
Incorporated in Uganda. CJL has distinguished itself in providing cutting edge
micro credit solutions that positively impact and transform the lives of our
customers and other stakeholders. Through understanding the needs of our society,
we tailor affordable but high quality financial products and services that
deliver satisfaction while addressing the socio-economic welfare of our people.


Job Summary:  The credit officer will be responsible for
identifying, screening potential borrowers and training of clients/potential
borrowers in Credit Junction credit policies and procedures. He/she will
implement Credit Junction Limited‘s procedures during loan application,
appraisal, loan disbursement and loan recovery. To ensure good customer
service, improved performance and profitability as well as effective risk
control and management in line with CJL’s objectives. .


Key Duties and Responsibilities: 

  • Survey and sensitize the communities about credit junction loan
  • Recruit new clients for CJL loan products.
  • Participate in the recovery of written off loans in accordance with
    CJL’s loan recovery guidelines.
  • Ensure timely loan repayments
  • Ensure that all clients’ loan repayments are accurately posted in
    the loan tracking system.
  • Carry out regular field visits, conduct group meetings and assess
    potential borrowers
  • Ensure accurate and timely filling of all loan documentation.
  • Ensure effective monitoring of loans through regular visits to
    clients and manage delinquency alarm signals by following up on problem
  • Ensure that all the loan repayment collections are deposited to
    CJL’s bank account within 12 hours.
  • Prepare weekly/monthly reports on the activities and submit it to
    the operations manager
  • Perform any other duties that may be assigned from time to time.


Key Results:

  • Monthly disbursement of at least 20 new loans
  • Maintain at least 200 active clients on a monthly basis
  • PAR (above 1 day) of 2% and below
  • Client retention rate of 95%.


Qualifications, Skills and Experience: 

  • The applicant must hold a Diploma in Accounting and Finance,
    Commerce, Business Administration, Economics, Statistics, Education,
    Development studies from a recognized institution. Degree is an added
  • Good knowledge of microfinance with significant experience in
    personal loan lending and at least 2 years’ experience at a credit officer
  • Experience of at least 2 years personal loan lending level
  • High level of integrity
  • Must be keen on details
  • Excellent communication and report writing skills
  • Ability to work under pressure and minimum supervision
  • Personable and able to relate to people at all levels and ability to
    interact with the community Creativity, innovation and flexibility
  • The individual should be willing to work in and around Kamwokya,
    Kyebando, Bukoto, Naguru, Kololo, Nakasero and Mulago.
  • Age: Below 30


How to Apply:

All suitably
qualified and interested candidates must submit their application letters,
Curriculum Vitae, all scanned copies of academic/other supporting documents in
one PDF file. In total, there must only be a maximum of 3 attachments and send
to addressed to Operations Manager, Credit Junction


Deadline: 21st September 2020.


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