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Job Title:    Credit Officer (21 Fresh
Graduate Job Opportunities)

Organization:
UGAFODE Microfinance Limited (MDI)

Duty Station: Bombo
Road, Ibanda, Ishaka, Jinja, Kagadi, Kyotera, Lira, Lyantonde, Mbale, Mbarara,
Mpigi, Nakasero, Nakivale, Nansana, Ntungamo Branch, Rubaga Road, Rukungiri,
Rushere and Sembabule, Uganda

Reference: HR/STAFF/VAC
– 1/21/1/21

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 Officer will be responsible for preparation of customer
loan applications, assessing their creditworthiness, generally managing
customer relationships and loan portfolio as guided by the institution’s Credit
policies and annual operating plan. Interested applicants should be willing to
work in the following locations: Bombo Road, Ibanda, Ishaka, Jinja, Kagadi,
Kyotera, Lira, Lyantonde, Mbale, Mbarara, Mpigi, Nakasero, Nakivale, Nansana,
Ntungamo Branch, Rubaga Road, Rukungiri, Rushere and Sembabule.

Key Duties and Responsibilities:  

·       
Loan mobilization: Supports all effort at branch level to
grow assets by participating in mobilization campaigns, scheduling meetings for
potential loan applicants to obtain information on loans and answering
questions about the process, available loan types or credit options that are
available including the terms and conditions governing borrowing.

·       
Appraising loan files: 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.

·       
Presents & defends loan file to the
branch Credit committee: responsible
for presenting client’s loan files and defending them with facts, business
cases and analyzed information to support a credit decision to be reached by
the branch credit committee (for loans below 5M) or referred to the region/
Head office (for loans above 5M).

·       
Loan compliance: Conducts monitoring (daily) of client’s
loan performance in line with agreed terms and conditions of the loan and per
set credit policy and procedures at UGAFODE to guarantee a qualitative loan
portfolio for the institution.

·       
Reporting: Undertakes reporting (day- to-day) 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.

·       
Loan recovery efforts: Provides the leadership regarding
recoveries at branch level by being accountable for client loan application
process, analysis and the subsequent decisions thereof. This includes:
monitoring of loan performance and reporting, KYC/AML procedures of the client,
loan collateral and recovery procedures that may arise out of poor loan
management.

·       
KIVA Project initiator: Responsible for dissemination of KIVA project
information to all clients, (those borrowing up to 5M), helping them to
complete application form and submitting it to the Credit Supervisor to be
uploaded into the system.

·       
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
ideal candidates for the UGAFODE Microfinance Limited (MDI) Credit Officer jobs
must hold Diplomas in microfinance/finance/accounting/business administration/marketing/
education/agriculture/ social development studies and any other related
courses.

·       
Planning
and organising

·       
Customer
service

·       
Team
player

·       
Influencing
and negotiation

·       
Business
drive

·       
Numerate
personality with strong analytical skills

·       
Trainable
/fast learner

·       
Knowledge
of the full MS Office suite

·       
Experience
working for community development field operations/ sales /SACCOs

·       
High
level of integrity

·       
Ability
to ride a motorcycle and with a valid riding permit 

NB: Recent graduates, females and youth leaders are
encouraged to apply

How to Apply:

All suitably
qualified and interested persons who meet the above criteria should submit (as
one document) motivation letters together with an up to date CV to our email
only: recruitment@ugafode.co.ug (Please indicate the position you are applying
for in the subject line e.g. “Credit Officer”). Applications should be
addressed to the Head of Human Resource.

Deadline: 4^th February 2021

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