Job Title:   120 Credit Officers – Community Banking

Regions: Western 1 (30 Vacancies), Western 2 (30 Vacancies), Central (30 Vacancies) & Eastern (30 Vacanices)

Organization: Pride Microfinance Limited (MDI) (Pride)

Duty Station: Uganda

Reports to: Credit Supervisor

No. of Vacancies: 30
MAIN  PURPOSE  OF  THE  JOB:

Pride Microfinance Jobs: Recruit  and  train  clients  through  registration  and  loan  disbursement  which  leads  to  growth  in  loan  portfolio.
DUTIES  AND  RESPONSIBILITIES:

1.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.

2.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.
3.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.
4.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
1.Achieve  and  maintain  the  set  monthly  targets  while  on  probation.
a)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  monthb)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

2.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

3.  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


4.  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 applicants for the Pride Microfinance Limited (MDI) (Pride)  Credit Officer – Agricultural Lending jobs should hold Diplomas or Bachelor’s Degree in Agricultural economics, Agricultural Extensions, Agricultural Land Use & Management, Agribusiness Management, Agricultural & Rural Innovations, veterinary Science or any other relevant/related field.
  • The applicants should possess 2 principle passes at A’ Level
  • Credit passes in English and Mathematics at O’ Level.
  • Ability to ride a motorcycle, should possess a riding permit and /or process one within a period not exceeding one month of probation.
  • Fluent in commonly used local languages within Western Uganda.
  • Willingness to work in any part of the country.
  • Be ready to challenge themselves to continuously deliver exceptional performance.
  • Computer literate, highly motivated, innovative & a self-starter.
  • Excellent presentation, interpersonal and communication skills.
  • Possess leadership skills.
  • Be honest, trustworthy & have a high degree of integrity
  • Age: less than 35 years

How to Apply:

All suitably qualified and interested candidates are encouraged to apply online by following the procedure;

  • Click Here
  • 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 hardcopy deliveries will be accepted

Deadline: 8th December 2018

 

 



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By FRESHER JOBS UGANDA

You just have to keep trying. Keep at it and do not draw back.

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