Female Credit Officer (Several Fresher Jobs) – Uzima Microfinance Uganda

Job Title: Female Credit Officer (Several Fresher Jobs)

Organisation: Uzima Microfinance Uganda

Duty Station: Mbale, Uganda

About Organisation:

Uzima Microfinance Uganda Limited is a financial services institution focused on providing accessible and responsible microfinance solutions to individuals, small businesses, and community groups across Uganda. The organization aims to support financial inclusion by offering tailored loan products, savings options, and financial literacy initiatives.

Job Summary: The Credit Officer will be responsible for mobilizing clients, assessing loan applications, disbursing and monitoring loans, following up on repayments, managing client relationships, and ensuring that the assigned loan portfolio is maintained in accordance with Uzima Microfinance Uganda Limited’s policies and procedures.

Key Duties and Responsibilities:

• Mobilize and recruit new clients in accordance with the company’s business and credit guidelines.
• Conduct client identification, appraisal, verification, and assessment of loan applications.
• Conduct field visits to clients’ homes, businesses, workplaces, and groups as required.
• Prepare accurate loan appraisal reports and submit loan applications for approval.
• Explain loan products, terms, conditions, repayment schedules, and other requirements to clients.
• Process approved loans and ensure proper documentation before disbursement.
• Monitor the performance of the assigned loan portfolio and ensure timely repayments.
• Conduct regular follow-up with clients with outstanding or overdue repayments.
• Maintain accurate and up-to-date client and loan records.
• Build and maintain positive relationships with clients and community groups.
• Identify and report potential credit risks, portfolio challenges, fraud indicators, and other irregularities.
• Participate in client meetings, group meetings, branch activities, and community mobilisation.
• Support the branch in achieving assigned targets for portfolio growth, client acquisition, collections, and loan
• quality.

Qualifications, Skills and Experience:

• A Bachelor’s Degree from a recognized university or institution of higher learning.
• Training or academic background in Business Administration, Finance, Economics, Accounting, Commerce, Microfinance, Development Studies, or a related field is an added advantage.
• Previous experience in microfinance, banking, credit, sales, field operations, or loan recovery will be an added advantage.
• Good communication, interpersonal, customer-service, and negotiation skills.
• Ability to work effectively in the field and interact with clients from different backgrounds.
• Ability to work with targets and meet deadlines.
• Good numerical, analytical, and record-keeping skills.
• Basic computer literacy.
• Must be willing and able to work in different locations within Eastern Uganda.
• Honest, disciplined, responsible, and trustworthy.
• Self-motivated and results-oriented.
• Customer-focused and able to build strong client relationships.
• Comfortable working in the field and travelling within the assigned area.
• Able to work independently while also functioning effectively within a team.
• Willing to work in challenging field environments.
• Committed to maintaining confidentiality and professional standards.
• Female candidates are particularly encouraged to apply.

How to Apply:

Interested candidates should submit their updated CV and relevant academic documents to:

Human Resources Department

Uzima Microfinance Uganda Limited

Email: Apply by Email

Telephone: +256 703 757727

Applications should clearly indicate “APPLICATION FOR CREDIT OFFICER – EASTERN REGION” in the subject

line.

Deadline: 15th October 2026

NB: Only shortlisted candidates will be contacted.

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Level of Education: bachelor degree

Work Hours: 8

Experience in Months: no experience