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Job Title:       Credit Officer (19
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, Rubaga Road, Rukungiri, Rushere and Sembabule, Uganda

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, 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 jobd 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
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: 10^th February 2020

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