The Ugandan Jobline

• Offer
  entrepreneurs a high standard of service that is both efficient and
  of sufficient quality to meet their specific needs and expectations;
• Determine
  the needs and expectations of both existing and potential entrepreneurial
  customers in terms of financing, investment and other supplementary
  products and services;
• Appraise
  and assess customer loan applications;
• Prepare
  assessments and recommendations for Head Office Credit Analyst review; and
• Educate
  customers and potential customers regarding their obligations and
  responsibilities regarding loan reimbursement.
• Help
  customers to identify their needs and advise them regarding the selection
  of products and services that meet their financial objectives;
• Perform
  business development activities to grow business with existing customers
  and to attract new customer business opportunities by identifying and
  proposing products and services that meet their needs;
• Market
  and sell EFC products and services that correspond with the specific
  customer profile and need;
• Participating
  in various marketing activities, in particular market research on the
  needs of various target market business sectors, the establishment
  and conservation of relationships with entrepreneurs and representation
  activities
• Follow
  the advancement of customers’ financial circumstances, their needs and
  their overall satisfaction to maintain a mutually secure, lasting and
  profitable business relationship;
• Perform loan application financial
  analyses and make recommendations to credit committee for loan
  approval/rejection.
• Carrying
  out the offer and sale of credit and savings’ products as well as all
  other supplementary services designed for entrepreneurs
  Authenticating documentation presented for all credit applications and
  ensure they meet the KYC requirements and any other requirements as
  required by the regulators;
• Ensuring
  compliance with the EFC General Credit Policy, Procedures and
  Process;
• Receiving
  customer loan requests and preparing and evaluating the loan application
  in detail:
• Checking and validating customer
  information as provided in the loan application by visiting their home and
  place of business and obtaining supporting documents for authentication as
  required,
• Determining customer credibility and moral
  character and assessing if the application complies with EFC credit
  policies,
• Analysing customer financial statements,
  personal balance sheets, forecasts, available collateral, external factors
  etc.;
• Verify that securities are provided and
  forwarded for perfection;
• Appraisal
  of potential customer loan applications and make recommendations to the
  Credit Committee;
• Active
  participation in Credit Committee;
• Making
  follow-up visits with customers after loan disbursement to verify use of
  funds, to anticipate and proposed solutions for potential risks of
  default;
• Managing
  portfolio under him/her to ensure good performance within the quality
  standards established by the EFC;
• Ensure
  all applicants are advised on fate of applications within reasonable time;
• Proactively
  managing risk /exposure for assigned portfolio continuously by making
  proper follow up as per Credit Policy;
• Conducting
  proper loan recovery activities as prescribed by the EFC;
• Performance
  of any other related duties and responsibilities as assigned by
  supervisor.

• The Relationship Officer requires good
  practical knowledge of MSE lending in the financial services sector and
  the foresight to see how the intricate day-to-day activities link with and
  support the achievement of the vision and mission of the EFC
• The applicant must hold a university degree in Business related
  studies;
• One
  year of relevant experience; 
• Excellent
  report writing and financial analysis skills,
• Strong
  sales and marketing skills;
• Strong
  people / relationship skills;
• Excellent
  oral and written communication skills;
• Organizational
  and negotiation skills
• Knowledge
  of investigation and evidence gathering techniques;
• Ability
  to work under pressure tight deadlines to achieve sales targets;
• Self-motivated,
  confident, energetic, and creative.
• Self-starter,
  willingness to go an extra mile, deliver on deadlines, ability to align to
  the company culture and approach, team player

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