Non-profit Careers – Credit Officer (Group Lending) at Habitat for Humanity International (HFHI)

Organisation: Habitat for Humanity International (HFHI)
Duty Station:  Uganda
Reports to: Branch Supervisor

About HFHI:
Habitat for Humanity International is a non-profit, ecumenical Christian housing ministry. The purpose and goal of Habitat for Humanity International is to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of conscience and action. Habitat invites people of all backgrounds, races and religions to build houses in partnership with families in need. Habitat for Humanity has an Administrative Headquarters based in Atlanta, an Operational Headquarters based in Americus, Georgia, and Area Office bases of operations in Manilla, Philippines for our Asia and Pacific work, San Jose, Costa Rica for our Latin American and Caribbean work and Bratislava, Slovakia for our Europe, the Middle East and Africa work.

Job Summary: The Credit Officer (Group Lending) will be in charge of guiding, coordinating and carrying out credit and related activities in the branch.

Key Duties and Responsibilities:  
  • Responsible for maintaining an average loan portfolio of not less than 200 active clients.
  • Maintain a repayment rate of not less than 95% for clients less than 30 days past due.
  • Maintain at a Portfolio at Risk (PAR) greater than 30 days past due of not more than 5%.
  • Maintain a Loan Use Verification rate of at least not less than 95% per Quarter.
  • Oversee and carry out training sessions for Potential and Active clients: Sensitization Meetings and Financial literacy trainings.
  • Maintain a Quarterly Portfolio Growth (in terms of clients) of not less than 5%.
  • Maintain an average outstanding loan portfolio of at least not less than UGX.250 Million.
  • Routinely disburse loans and monitor group performance by attending group meetings.
  • Arranging and organizing awareness seminars on services and products offered by Habitat for Humanity Uganda.
  • Carrying out training programmes using prescribed modules of interest to the clients.
  • Supporting the credit applicants or borrowers during the application process.
  • Working closely with local leaders in the respective localities with a view to identify, assess, appraise and approve loan applicants.
  • Assessing the creditworthiness of potential borrowers and advising management accordingly.
  • Take part in the credit committee meetings at the branch.
  • Follow-up loan applications referred to the National Office for Approval.
  • Ensure timely disbursement of credit facilities.
  • Supervise loan beneficiary projects during the loan term to ensure proper use.
  • Support the Branch Supervisor in determining bad debts, if any, and the compilation of returns thereof to the National Office.
  • Ensuring timely recovery of loan installments and interest thereof from borrowers.
  • Actively participate in the compilation of loans and Financial Education reports to be submitted to the National Office on a routine basis.
  • Ensure proper management of organizational assets (Funds, Computers, Motor-cycles, and Cameras, etc) attached to the branch to facilitate credit operations.
  • Ensure proper record keeping and safety of client documentation by maintaining an adequate filing system.
  • Perform any other duties assigned to him/her by the Branch Supervisor

Qualifications, Skills and Experience:  
  • The applicant should preferably hold a Bachelor’s Degree in the disciplines of economics, microfinance, business administration, or banking and finance.
  • At least three years’ experience working for a non-governmental organization or a reputable Microfinance Institution preferred.
  • Specialized knowledge of and experience with savings-led microfinance delivery methodologies.
  • Prior experience in some aspect of project cycle management.
  • Excellent verbal and written communication skills.
  • Significant experience with monitoring and evaluation tools and systems. 
  • Excellent computer skills in Microsoft word, excel and point power
  • Ability to work effectively independently or in a team environment.
  • Possess excellent analytical and problem solving skills;
  • Excellent inter-personal skills; demonstrating diplomacy and tact.
  • High degree of integrity combined with ability to make bold and timely decisions
  • Highly pro-active and self-disciplined.
  • Willingness to travel.
  • Working knowledge of the local languages i.e. Luganda
  • Willingness to uphold Christian Principles at HFHU

How to Apply:  
All suitably qualified and interested candidates should apply by sending a cover letter, a detailed CV including telephone contacts and names and day telephone contacts of two professional referees. Applications should be submitted by email to:

The Human Resource Department at the E-mail address below;

Email to:

NB: Only short-listed candidates will be contacted.

Deadline: 31st July 2015

For More Ugandan Jobs, Please Visit or find us on our facebook page

Leave a Reply

Your email address will not be published. Required fields are marked *