Job Advertisement: Credit Officers

Company: ENCOT Microfinance Limited
Employment Type: Full-time
Location: Various branches in Uganda
Application Deadline: 27/05/2024

Company Overview:
ENCOT Microfinance Limited (ENCOT) is a social impact, fast-growing, and innovative microfinance institution (MFI) serving over 37,000 clients in 17 districts of the Mid-Western and Central regions of Uganda. ENCOT operates a network of 10 branches located in Hoima, Masindi, Kigumba, Kagadi, Nakasongola, Kawempe, Luweero, Bweyale, Katikara, and Karuguuza. ENCOT’s mission is to provide microfinance services to low-income smallholder farmer communities, particularly women, to help them create their own paths out of poverty through job creation.

Position: Credit Officers

The Credit Officers will be responsible for the direct sales of loans and credit services offered by ENCOT to customers, ensuring 100% recovery of assigned loan portfolios (both current and past-due). This role requires the application of best practices and a focus on customer satisfaction, in alignment with ENCOT’s strategic objectives and credit policies.

Key Responsibilities:

  • Client Mobilization and Training: Engage and train clients about loan products and processes.
  • Loan Processing: Facilitate the processing of loan applications.
  • Loan Recoveries: Ensure timely recovery of loans.
  • Customer Care: Provide excellent customer service and support.
  • Loan Utilization Follow-Up: Monitor and follow up on the proper utilization of loan funds.
  • Delinquency Management: Manage and mitigate loan delinquencies.
  • Reporting: Prepare and submit required reports.
  • Contribution to Organizational Development: Participate actively in the overall development of the organization.
  • Other Duties: Perform any other tasks as assigned that can be competently and professionally executed.

Education and Experience:

  • Diploma in Social Work, Education, Business Studies, or any other related field.
  • No prior experience required.
  • MUST be able to ride a motorcycle.
  • Age: 27 years and below.

Core Capabilities:

  • High level of honesty, integrity, and accountability.
  • Ability to achieve results independently with minimal supervision.
  • Effective communication skills (written, verbal, and non-verbal).
  • Independent, clear, and deep thinking.
  • Willingness to learn, unlearn, and adapt to changes.
  • Ability to work collaboratively in teams.
  • Willingness to travel frequently to the field.
  • Ability to live and work with rural communities, particularly the poor.
  • Fluency in English and some local languages.

Application Procedure: Qualified and interested candidates should send their CV and cover letter via email to, addressed to:

The Human Resource Officer
ENCOT Microfinance Ltd
Plot 88 Port Road, Masindi
P.O. BOX 389, Masindi

Please note that any documents submitted for application purposes will not be returned. Only shortlisted candidates will be contacted.

About ENCOT Microfinance:
Industry: Microfinance
Location: Masindi, Uganda

ENCOT is committed to fostering a diverse and inclusive work environment. Both male and female candidates are encouraged to apply. Share this job opportunity with your networks to help us reach more potential candidates.



Get Email Job Updates

Enter your email address to receive daily notifications of new jobs by email.

Join 17.6K other subscribers

By Daniel

Incase you have any inquiry, let us know by commenting here.

This site uses Akismet to reduce spam. Learn how your comment data is processed.