Background

DEED Microfinance a dully registered Microfinance company licensed in Uganda under the Company’s Act and regulated by the Uganda Microfinance Regulation Authority (UMRA). Whose registered office is situated at plot 1 Kisozi close, Kyaggwe Road, Nakasero, Kampala, Uganda.

Job Tittle: Credit Officer

Reports to: Head of Business

Duty Station: Kampala, Uganda

Contract type: Fixed Term Contract

Department: Credit

Job Summary and Main Responsibilities

Portfolio/Recovery Management

• Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
• Close loan applications and monitor them from application through to closing process maintaining effective communication with customers, referral sources and loan support staff.
• Gather customer’s authorizations and supporting documentation that is required by regulation and/or program guidelines.
• Fully recover the disbursed funds to a PAR of stated target.

Mobilization of New Clients

• Identify and pursue new business opportunities for the company every month.
• Build a proper pipeline and make use of the lead pipeline.
• Participate in the marketing activities of DEED Microfinance Limited
• Explain to customers the different types of loans and credit options that are available as well as the terms of the services.
• Generate complete loan applications with corresponding documentation.

Client relationship Management

• Handle customer complaints and take appropriate action to resolve them.
• Meet with customers to obtain information for both loan applications and answer questions about the process.
• Provide trustworthy feedback and after sales support.
• Any other duties assigned by the managing Director.

Qualification

Bachelor’s Degree in Microfinance, Accounting, Financing, Business Administration or Economics.

Experience

Working experience of at least 1 year.

Personal Attributes.

• Results driven and target oriented.
• Strong leadership and team management skills.
• Excellent communication and customer relation abilities.
• High integrity and professionalism.
• Strong analytical and decision-making skills.
• Well organized with effective pipeline management.
• Customer focused with good problem-solving skills.
• Able to work under pressure and meet deadline

• Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans.
• Close loan applications and monitor them from application through to closing process maintaining effective communication with customers, referral sources and loan support staff.
• Gather customer’s authorizations and supporting documentation that is required by regulation and/or program guidelines.
• Fully recover the disbursed funds to a PAR of stated target.
• Identify and pursue new business opportunities for the company every month.
• Build a proper pipeline and make use of the lead pipeline.
• Participate in the marketing activities of DEED Microfinance Limited
• Explain to customers the different types of loans and credit options that are available as well as the terms of the services.
• Generate complete loan applications with corresponding documentation.
• Handle customer complaints and take appropriate action to resolve them.
• Meet with customers to obtain information for both loan applications and answer questions about the process.
• Provide trustworthy feedback and after sales support.
• Any other duties assigned by the managing Director.

• Strong leadership and team management skills.
• Excellent communication and customer relation abilities.
• High integrity and professionalism.
• Strong analytical and decision-making skills.
• Well organized with effective pipeline management.
• Customer focused with good problem-solving skills.
• Able to work under pressure and meet deadline

• Bachelor’s Degree in Microfinance, Accounting, Financing, Business Administration or Economics.