Job Title: Loan Officer
Organisation: M-KOPA
Duty Station: Kampala, Uganda
About Organisation:
Baikal Finance Services is a subsidiary of Premidis, focused on providing reliable financial solutions to businesses and individuals across Uganda. Founded in 2025, Baikal Financial Services is dedicated to promoting financial inclusion and sustainable development in Uganda. We focus on providing innovative financial solutions that help entrepreneurs access modern technology.
Job Summary: We’re hiring a Loan Officer at Baikal Financial Services Ltd in Kampala, Uganda.
Key Duties and Responsibilities:
Loan Origination & Appraisal:
- Identify, appraise, and recommend viable loan applications for approval.
- Conduct thorough credit assessments and verify customer, business, and collateral information.
- Ensure loan applications comply with company credit policy and risk guidelines.
- Disburse approved loans accurately and in a timely manner.
Portfolio Management:
- Manage and grow an assigned loan portfolio within approved risk limits.
- Monitor loan performance and maintain high portfolio quality.
- Identify early warning signs of default and recommend corrective action.
- Track delinquency trends to minimize Portfolio at Risk (PAR).
Field Operations:
- Conduct field visits to assess business viability and confirm loan purpose.
- Verify customer residence, business premises, and guarantor details.
- Maintain accurate and up-to-date customer records.
- Follow up on early arrears before accounts deteriorate.
Customer Relationship Management:
- Build and maintain professional relationships with customers and referral networks.
- Educate customers on loan terms, obligations, and repayment schedules.
- Resolve customer concerns professionally and promptly.
- Ensure fair, ethical, and transparent dealings with all customers.
Reporting & Compliance:
- Prepare accurate daily, weekly, and monthly loan appraisal and portfolio reports.
- Ensure compliance with credit policy, KYC, and regulatory requirements.
- Maintain proper documentation for all loan files.
Fraud Prevention:
- Identify suspicious or fraudulent loan applications.
- Verify customer information diligently during appraisal and disbursement.
- Report suspected fraud immediately and support investigations when required.
Qualifications, Skills and Experience:
- Diploma or Bachelor’s Degree in Business Administration, Finance, — Accounting, Economics, or a related field.
- Experience in loan origination, credit analysis, banking, or microfinance is mandatory.
- Strong analytical, negotiation, and communication skills.
- Ability to work independently and achieve performance targets.
- Excellent problem-solving and customer service skills.
- Valid riding permit is mandatory.
- High integrity, professionalism, and attention to detail.
How to Apply:
Interested candidates should send their CV and Cover Letter to hr@baikalfinance.ug . Please use the subject line: Application – Loan Officer.
Deadline: 20th July 2026
NB: Only shortlisted candidates will be contacted.
For more of the latest jobs, please visit https://www.theugandanjobline.com or find us on our facebook page https://www.facebook.com/UgandanJobline
Level of Education: bachelor degree
Work Hours: 8
Experience in Months: 12