Job Title: Credit Officer-Community Banking
(Eastern) – 2 Job Placements
Organization:
Pride Microfinance Limited (MDI) (Pride)
Duty Station:
Kampala, Uganda
Reports to: The Manager
ICT Infrastructure
About US:
Pride Microfinance
Limited (MDI) (Pride) is the leading Microfinance Deposit Taking Institution in
Uganda with 34-networked branches and 10 contact offices countrywide; regulated
by Bank of Uganda under the MDI Act, 2003.
Job Summary: The Credit Officer will recruit and
train clients through
registration and loan
disbursement which leads
to growth in
loan portfolio.
Key Duties and Responsibilities:
Achieve and maintain the set monthly targets.
· Recruit, train clients and disburse loans.
· Mobilize savings deposits.
· Sell other
Pride products.
· Make
CRB credit applications.
· Follow
upon loan repayment
and Loan Insurance
Fund (LIF) collection
in all CECs.
· Follow upon loan recovery process.
· Generate business growth.
Comply with branch and BoU
set targets.
· Follow
up payment for and
enrollment of clients
on to the
credit reference bureau
before accessing loans.
· Post loans accurately.
· Prepare weekly monitoring reports on prospective
and existing clients.
Compile reports on the ongoing loan disbursement.
· Update
client loan files.
· Prepare draft report for submission to the Credit
Supervisor.
· Recommend
to the supervisor
any changes to
improve service to
clients.
Filing loan documentation
· File all relevant information as per Pride’s policies and
procedures.
· Verify completeness of loan application file.
· Submit
files to credit supervisor for verification.
Key Result Areas
Performance Measure / Kpi
Achieve and maintain
the set monthly
targets while on
probation.
Starting a
New Portfolio:
· Monthly
disbursement of at
least 35 new
loans.
· Maintain
at least 160
active clients on
a monthly basis
· Maintain
at least Ugx 55 million
in outstanding portfolio
on a monthly
basis
· PAR
(30 days past
due) of 1%
and below
· Client
retention rate of
95%
· 5 new
VSP accounts per
month
With
Inherited Portfolio:
· Monthly
disbursement of at least 40
new loans.
· Maintain
at least 400
active clients on
a monthly basis
· Maintain
at least Ugx
200 million in
outstanding portfolio on a monthly
basis
· PAR
(30 days past
due) of 1%
and below
· Client
retention rate of
95%
· 5 new
VSP accounts per
month
Achieve and maintain
the set monthly
targets after confirmation.
· Monthly
disbursement of at
least 40 new
loans.
· Maintain
at least 400
active clients on
a monthly basis
· Maintain
at least Ugx
200 million in
outstanding portfolio on a monthly
basis
· PAR
(30 days past
due) of 1%
and below
· Client
retention rate of
95%
· 5 new
VSP accounts per
month
Ensure
Compliance of the
branch to BOU’s
set targets.
· 100%
Credit applications for
all loans disbursed
monthly.
· 90%
compliance for CBA
each month.
· 95%
for CAP on
a monthly basis.
· 90%
for Borrower Stakeholders
(BS) file
· 90%
in Collateral- Credit
Guarantee (CCG) file
· 90%
for Collateral –
Material Collateral (CMC)
file
· Financial
Malpractice (FM) file
Compile
periodic reports on
the ongoing loan
disbursement process.
· 100%
accuracy in loan
posting into the
banker’s realm.
· Daily
reports on delinquent
accounts submitted to
Credit Supervisor.
· Weekly
monitoring reports on
prospective and existing
clients compiled for
analysis.
· 5.Ensure
accurate and timely
filing of all
CBP documentation.
Qualifications, Skills and Experience:
·
The ideal applicant should have qualifications, skills and experience
·
At least a diploma in a relevant field
How to Apply:
All suitably qualified and
interested candidates are encouraged to apply online by following the procedure,
· Create an
Account
· Fill in your
personal information and upload your Curriculum Vitae (CV), including all your
scanned academic credentials, 3 letters of recommendation from each of the
referees and a passport photo.
· Submit
online i.e. no hard copy deliveries will be accepted
Deadline: 4th April
2020
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