EL

Credit Officer

Eleglance Finance Ltd
📍 KampalaCDI🗓️ 3 days ago

Job Description

Kampala
CDI
⚠️

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Credit Officer

Company: Eleglance Finance Ltd

Location: Central and Northern Uganda

Contract Type: Contract, Full-time (45 hours per week)

Company Background: Eleglance Finance is a private microfinance institution dedicated to offering tailored financial services to individuals, groups, and SMEs who face challenges accessing traditional banks. Our investment goes beyond providing capital: we create innovative solutions adapted to the financial needs of a growing private sector. We opened our doors in May 2012 and have since expanded to several branches, with our head office in Entebbe.

Reporting Relationships: The position reports to the branch manager. No direct subordinates. Key relationships: The role works closely with the branch manager to ensure the growth of the business and its clients.

Job Summary: The Credit Officer will ensure the smooth operation of the operations department by implementing appropriate control measures and adhering to established policies and procedures, in order to maintain a healthy portfolio with a PAR not exceeding 3%, by conducting loan assessments in line with current policies and procedures.

Key Responsibilities:

Assess client eligibility for requested loans based on the credit policy manual. Interview clients to clearly explain EFL's loan procedures and requirements. Ensure all necessary documents for loan processing are prepared and submitted to the credit committee for approval. Advise clients on required documentation. Ensure all loan application forms are processed within prescribed timelines in accordance with the credit policy. Conduct risk assessments to ensure optimal recovery of disbursed funds. Advise management on the review of lending policies and procedures to ensure consistency and ability to achieve the company's strategy. Stay informed about new loan types, services, and financial products to best meet client needs. Develop lasting relationships between the company and clients with the aim of achieving high levels of loyalty and satisfaction. Handle client complaints and take appropriate action to resolve them. Ensure timely and accurate filing of all credit and loan information. Monitor outstanding loans under their responsibility, providing regular reports to the credit administrator or designated manager.

Key Performance Indicators: Refer to the corresponding performance evaluation form/dashboard.

Desired Profile:

Education and Certifications: Bachelor's degree in any business-related discipline, preferably in Business Administration, from a reputable university.

Knowledge and Experience: Fresh graduate. Must know how to ride a motorcycle and possess a valid driving license, or be willing to learn within the first month of engagement. Must master

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Expert Application Advice

Credit Officer Eleglance Finance Ltd Accounting, Auditing & Finance

  • 3 days ago Easy apply Kampala Full Time Banking, Finance & Insurance The Credit Officer will ensure smooth running of the operations department by carrying out proper control measures and adhering to set out policies and procedures, to maintain a clean portfolio with PAR of not more than 3% by carrying out proper loan appraisals in accordance with set policies and procedures. Min Qualification: Bachelors

Expérience

Entry level Language Requirement: English Working Hours: Full Time - 8 to 5

Localisation

Uganda

Profil recherché

Job descriptions & requirements Terms of Employment: Contract Position Location: Central and Northern Uganda Duration: Department: Credit Hours per week: 45 Company Context: Eleglance Finance is a privately owned microfinance institution dedicated to delivering benefits of financial services tailored to individuals, groups, and SMEs that find it challenging to access services from mainstream banks. Our investment goes beyond providing capital to creating innovative solutions tailored towards the financial needs of a growing private equity. We opened doors in May 2012 and have since then expanded to several branches with our headquarters in Entebbe. Company Relationships: Position reports to: Branch Manager Direct reports: None Key relationships: The Position works closely with the Branch Manager to ensure the growth of the Company and its Clients. Job Summary: The Credit Officer will ensure smooth running of the operations department by carrying out proper control measures and adhering to set policies and procedures, to maintain a clean portfolio with PAR of not more than 3% by carrying out proper loan appraisals in accordance with set policies and procedures. Key Responsibility Areas Specific Responsibilities Assess client’s qualifications to receive loans applied for based on the credit policy manual. Interview clients to clearly explain the lending procedures and requirements of EFL. Ensure that all required documents for loan processing are prepared and submitted to the credit committee for approvals. Advises clients on necessary documentation. Ensures that all loan application forms are processed in line with the prescribed timelines as per the Credit Policy. Conducts risk assessments to ensure optimum recovery of funds disbursed. Advises management on reviews of loan policies and procedures to ensure they are consistent and capable of delivering the strategy of the company. Stay abreast of new types of loans, financial services and products to best meet clients’ needs. Develops ongoing relationships between the company and the clients with the objectives of achieving high levels of customer loyalty and satisfaction. Handles customer complaints and takes appropriate action to resolve them.

Formation / Diplômes

Ensure all filing of credit and loan information is done in a timely and accurate manner. Follow up on loans outstanding he/she is responsible for, regularly providing a report to the credit administrator or designated official. Key Performance Indicators Please refer to the accompanying Performance Agreement form/Scorecard. Personal Specification Education & Certifications: A Bachelor’s Degree in any business-related course, preferably Business Administration from a reputable University. Essential Knowledge and Experience Fresh graduate. Must be able to ride a motorcycle and should possess a valid riding license or be willing to learn within the 1st month of engagement. Should be fluent in the commonly used local languages and ready to work in any of our branches. Should be aged between 22 – 25 years of age. Other Required

Compétences requises

Ability to plan, organize and prioritize work. Self-driven and result - oriented Demonstrate the highest level of ethical behavior. Remain flexible to adapt to changes in the work environment. Maintain confidentiality of sensitive information. Possess a work ethic that includes neatness, punctuality, attention to detail and accuracy. Basic computer skills, including e-mail, word processing and spreadsheets. Excellent interpersonal skills to facilitate interaction with the clients and other staff. How to Apply: All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section Log In and Apply Important safety tips Do not make any payment without confirming with the BrighterMonday Customer Support Team. If you think this advert is not genuine, please report it via the Report Job link below. Report Job

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Beware of scams

Taf4All only lists job offers published by third parties — we are not the source of these jobs and do not handle recruitment. Stay vigilant: never pay money to get a job or an interview, and be wary of any suspicious request.

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