Loans Officers Jobs at FINCA Uganda Ltd

Job Title: Loans Officers (Accounts Relations Officers)


Location: Multilple Locations

Department: Operations

Role:

To develop and maintain a quality loan portfolio at the respective branch and to administer other financial services as available



Major Areas of Responsibility:

I. Sell of all financial products.

* Develop marketing and work plan for the establishment of solid clientele base.
* Identify and sensitize the potential clients in the respective area of operation.
* Use the company lending Methodology to sell the products.
* Refer clients that are illegible for other FINCA products to the respective departments.



II. Mobilize and retain groups.

* Mobilize groups for the purpose of lending to them.
* Train of group members in the FINCA Lending methodology.
* Guide, monitor, and supervise SGL activities in line with SGL policy and procedure manual.



III. Process loan applications.

* Evaluate and assess the credit risk of individual clients and groups by inspecting business and household of potential clients, appraise client’s business and repayment capability before disbursing loans.
* Generate and submit on time accurate documentation to enable loans to be disbursed.
* Maintain complete and accurate loan documentation in the office and supervise the maintenance of group record keeping process.



IV. Monitor loan/group performance.

* Attend group meetings as required by methodology.
* Supervise groups to ensure timely repayments, attendance of meetings, update of group records.
* Maintain group cohesion.
* Make recommendations on improvement of products to branch management.



V. Recover loans.

* Follow up with group executives to recover both internal and external arrears.
* Participate and/or hold cluster meetings.
* Take individual action as per policy to recover delinquent loans.



VI. Report on the portfolio performance.

* Prepare and submit reports on the number of clients, repayments, portfolio quality, loan recoveries and follow-up action on delinquent loans.



VII. Manage client relationships.

* Maintain the company standard customer service in all group members.
* Provide advice to clients on borrowing and loan management.
* Maintain constant communication within assigned groups.
* Ensure and increase client satisfaction without threatening performance goals.





PERSONNEL SPECIFICATIONS:

Education:

* Diploma in commerce/accounting/banking or related qualification.

Language:

* English
* Language of the area in which the branch is located.

Experience:

* None.



Functional skills:

* Ability to effectively sell FINCA products/services.
* Business management skills.
* Credit analysis skills.
* Abilities to form teams which can work together.
* Excellent public relation skills.
* Well-developed ability to work and communicate.
* Ability to promote, organize, and maintain groups.
* Observations skills.

Managerial/professional skills:

* Planning and organizing skills.
* Excellent communication and interpersonal skills.
* A team player who is also able to work independently.
* Good problem-solving skills
* Good negotiation skills.
* Customer-oriented.
* Social consciousness.
* Integrity and professional ethics.


How to Apply:
http://fincaug.siplicant.com

Deadline: 6th January 2012