About Organisation:

Savior Microfinance Limited (SML) is a microfinance company that is duly registered in Uganda.

Key Duties and Responsibilities:

• Analyze and prepare well-structured credit proposals to facilitate timely approvals from the credit team, managing customer expectations for credit exposures within retail credit, offering appropriate financing structures, pricing the risk and advising business teams and customers on complex credit matters to ensure compliance with lending regulations (UMRA, Credit Policy).
• Exercise sound judgment within delegated credit limits or escalate recommendations to the appropriate credit approval level.
• Member of the Branch Credit Committee Forums and Secretary to the Head office Credit Committee Forums-responsible for scheduling the meeting and preparing minutes.
• Monitor credit exposures regularly to maintain a high-quality asset portfolio, seeking full compliance with Institution policies and lending guidelines through participation in weekly and bi-weekly high-risk meetings.
• Make physical visits, inspect, and confirm the existence of the business for proposed credit facilities to ensure that customer business is in line with the Institution’s acceptable credit risk appetite.
• Review existing credit facilities annually, recommending renewals, restructures, or adjustments on facility structure in line with the changes in the business risk profile to minimize arrears and mitigate the risk of non-performing assets (NPAs), while enhancing customer retention and revenue stability.
• Set, review and monitor the Asset portfolio in terms of covenants, conditions and risk triggers at facility processing and reviews to ensure excellent performance of the credit facility granted.
• Propose appropriate pricing of credit applications in line with the Institutions policies and product papers to grow the revenue lines and avoid income leakage.
• Conduct training and provide financial and non-financial advice to different stakeholders (Business teams and branches) in credit-related aspects.
• Liaise with other units/departments to ensure that credit limits are approved in a timely manner to manage customer expectations.
• Support Recovery of NPAs in accordance with the regulation and policy

Qualifications, Skills and Experience:

• Bachelor’s Degree in any of the following: Commerce (Accounting / Finance option), Business Administration (Finance / Banking option), Economics, Statistics or a related quantitative discipline
• Minimum of 3–5 years’ progressive experience in: Credit analysis and credit administration, Loan appraisal, structuring, and monitoring, Portfolio management within a microfinance institution, bank, or regulated financial institution
• At least 3 years at a supervisory or senior credit role, with: Exposure to Credit Committees (Branch & Head Office), Experience preparing and presenting credit proposals for approval
• Strong credit analysis and financial modelling skills
• Ability to interpret financial statements, cash flows, and business risk profiles
• Sound understanding of loan pricing, risk-based lending, and revenue optimization
• Knowledge of collateral evaluation, documentation, and enforceability
• Strong report writing and credit proposal presentation skills

• Analyze and prepare well-structured credit proposals to facilitate timely approvals from the credit team, managing customer expectations for credit exposures within retail credit, offering appropriate financing structures, pricing the risk and advising business teams and customers on complex credit matters to ensure compliance with lending regulations (UMRA, Credit Policy).
• Exercise sound judgment within delegated credit limits or escalate recommendations to the appropriate credit approval level.
• Member of the Branch Credit Committee Forums and Secretary to the Head office Credit Committee Forums-responsible for scheduling the meeting and preparing minutes.
• Monitor credit exposures regularly to maintain a high-quality asset portfolio, seeking full compliance with Institution policies and lending guidelines through participation in weekly and bi-weekly high-risk meetings.
• Make physical visits, inspect, and confirm the existence of the business for proposed credit facilities to ensure that customer business is in line with the Institution’s acceptable credit risk appetite.
• Review existing credit facilities annually, recommending renewals, restructures, or adjustments on facility structure in line with the changes in the business risk profile to minimize arrears and mitigate the risk of non-performing assets (NPAs), while enhancing customer retention and revenue stability.
• Set, review and monitor the Asset portfolio in terms of covenants, conditions and risk triggers at facility processing and reviews to ensure excellent performance of the credit facility granted.
• Propose appropriate pricing of credit applications in line with the Institutions policies and product papers to grow the revenue lines and avoid income leakage.
• Conduct training and provide financial and non-financial advice to different stakeholders (Business teams and branches) in credit-related aspects.
• Liaise with other units/departments to ensure that credit limits are approved in a timely manner to manage customer expectations.
• Support Recovery of NPAs in accordance with the regulation and policy

• Strong credit analysis and financial modelling skills
• Ability to interpret financial statements, cash flows, and business risk profiles
• Sound understanding of loan pricing, risk-based lending, and revenue optimization
• Knowledge of collateral evaluation, documentation, and enforceability
• Strong report writing and credit proposal presentation skills

• Bachelor’s Degree in any of the following: Commerce (Accounting / Finance option), Business Administration (Finance / Banking option), Economics, Statistics or a related quantitative discipline
• Minimum of 3–5 years’ progressive experience in: Credit analysis and credit administration, Loan appraisal, structuring, and monitoring, Portfolio management within a microfinance institution, bank, or regulated financial institution
• At least 3 years at a supervisory or senior credit role, with: Exposure to Credit Committees (Branch & Head Office), Experience preparing and presenting credit proposals for approval