Job Title: Credit Assistants – Micro Lending (Several No Experience Job Opportunities)
Organisation: Finance Trust Bank (FTB)
Duty Station: Kampala, Uganda
Reports to: Branch Business Supervisor
About US:
Finance Trust Bank was licensed as a Tier 1 Commercial Bank on 11 November 2013, taking over the financial services business of Uganda Finance Trust Limited (MDI). Today Finance Trust Bank is a fully-fledged commercial bank serving a clientele of over 300,000 depositors and over 37,000 borrowers, through a network of 35 branches countrywide. The bank offers a variety of Products and services including; Savings, Current accounts, Loans, Money transfer services and Bills payments to its target market which comprises of micro, small and medium entrepreneurs, salary earners and youth.
Job Summary: The Credit Assistant – Micro Lending will implement credit policies and procedures in line with the operating manuals and the strategic plan.
Key Duties and Responsibilities:
- Advise/sensitize clients about loan products, and cross sell other Bank products in line with Bank policy.
- Analyze loan applicants’ financial status, credit worthiness and property evaluations to determine feasibility of granting loans
- Prepare loan files for presentation to the loan committee and ensure complete documentation of all client files in line with the Credit policy.
- Mobilise, educate, assess & enroll new and old customers for the various loan products on a daily basis in line with the Credit policy.
- Disburse loans to clients on daily basis in line with the set performance targets in line with credit policy.
- Clients’ records filed and correspondences between FTB and customers stored securely as per FTB’s loan documentation policy and Bank of Uganda requirements.
- Receive and acknowledge receipt of the security pledged by customer and hand over the same for safe custody to the Credit Supervisor in line with the Credit policy.
- Recover loans on a daily basis so as to maintain portfolio at risk as per Credit policy.
- Enter loans in the Core Banking System (CBS) as per the approved terms and in line with the credit administration policy.
- Advise/sensitize clients about loan products, and cross sell other Bank products.
Qualifications, Skills and Experience:
- The applicant must hold a Degree from a recognized educational Institution. Specialization in areas of Marketing/Commerce/Humanities/Microfinance will be an advantage.
- Good analytical and report writing skills.
- Computer literacy is a must.
- Highly organized person with ability to multitask.
- Ability to work well under pressure and with minimum supervision.
- Good written and oral communication skills.
- Good interpersonal skills.
- High level of integrity and self-initiative.
- Willingness to work in the field at least 60% of the time.
- Willingness to work outside the Central Business District of Kampala
- Motorcycle riding skill is an added advantage.
NB: The position carries an attractive salary and benefits package.
How to Apply:
All suitably qualified candidates should address their application to Head, Human Resource, Finance Trust Bank, TWED PLAZA, Plot 22B, Lumumba Avenue, Kampala, Uganda, and email it to [email protected] as well as photocopies of academic testimonials, and a CV. The CV should include telephone contacts and email addresses of three referees, one of who should be the most recent employer.
Deadline: 24th January 2024
Please note that in line with the Bank procedures, no job offers are made online.
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