Several Agricultural Loans Officer Job Vacancies – DFCU Bank



Organisation: DFCU Bank
Duty Station: Mukono, Masaka, Kitgum, and Mbale, Uganda
Reports to: Branch Manager
About US:
DFCU
bank is a fast growing commercial bank offering a variety of innovative
products and services. DFCU Limited was started by the Commonwealth Development
Corporation (CDC) of the United Kingdom and the Government of Uganda through
the Uganda Development Corporation (UDC) under the name of Development Finance
Company of Uganda Limited. Later restructuring brought in DEG (of Germany) and
International Finance Corporation (IFC) as equal partners with CDC and UDC,
each having a 25% stake in the company. Its objective was to support long-term
development projects whose financing needs and risk did not appeal to the then
existing financial commercial lending institutions.
Job Summary: The Agricultural Loans Officer will be required to
grow the Agri-customer base by recruiting and maintaining a quality portfolio
through the promotion of the bank’s savings and lending products in strict
compliance with laid down risk management controls and credit procedures.
Key Duties and Responsibilities: 
  • Recruit new Agric customers active in
    processing, production and/or trade such as (farmers, farmer
    groups/associations/cooperatives, traders, processors)
  • Sensitise farmers to organize themselves in
    legally registered groups and stimulate savings.
  • Initiate credit applications for new and
    existing agri business customers by completing the documentation with
    customers, completing the required financial analysis and submitting
    applications to credit for approval.
  • Actively monitor the agro business portfolio
    and identify early warning signals.
  • Increase agro business penetration for the
    customers under management by reviewing their portfolio to determine
    potential cross sells and proactively recommend new products to customers.
  • Identify Agro business clients’ needs and
    offer solutions.
  • Follow up on all approved agro business loans
    and ensure that customer information is correctly captured in the system
    i.e. standing orders, interest rates, repayment schedules, limits, review
    and expiry dates.
  • Regularly monitor the Agro-business portfolio
    performance and ensure that PAR and NPA is kept within the acceptable
    limits to avoid losses.
  • Identify opportunities for cross-selling and
    migration opportunities and sell products and services reactively in order
    to grow the Agro business portfolio.
  • Ensure that all documentation and
    transactions are in line with local and regulatory anti-money laundering
    and KYC requirements.
Qualifications, Skills and Experience: 
  • The ideal candidates for the DFCU Agricultural
    Loans Officer vacancies should hold Bachelor’s degrees in Agricultural
    Economics or Agribusiness with a minimum of six to twelve months’ working
    experience in a financial institution
  • Good financial analysis and credit assessment
    skills are desirable
  • High level of speed and accuracy in order to
    exceed customer expectations
  • Excellent sales/networking and relationship
    management skills
  • Excellent communication and presentation
    skills
  • Broad knowledge and understanding of credit
    principles and guidelines
  • Excellent analytical skills
  • Demonstrated awareness of the agriculture
    sector with regards to factors like farm management, government policies
    and projects, trends in the market etc.
  • Good understanding of the seasonal trends or
    cycles and their overall effect on various crops
  • Excellent negotiation and interpersonal
    skills (team player, good communication and time management skills)
  • Computer literacy i.e. working knowledge of
    Microsoft Office software (e.g. Excel, Word)
  • Demonstrated ability to ride a motor vehicle
    to visit clients in remote areas
How to Apply:
All
candidates who so wish to join the banking sector in the aforementioned
capacity are encouraged to send their applications with detailed CVs including
present position and copies of relevant professional/academic certificates to:
Vacanciesbank@dfcugroup.com
Deadline: Wednesday, 3rd February 2016
NB: Therefore, if you do not hear from us by 17th
February 2016, consider your application unsuccessful

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