Vacancy title:
Credit Officer

[Type: FULL_TIME, Industry: Financial Services, Category: Admin & Office]

Jobs at:
Acenet Microfinance

Deadline of this Job:
Saturday, August 23 2025

Duty Station:
plot 652, Block 257, Wamala Close | Munyonyo | Kampala | Uganda

Summary
Date Posted: Tuesday, August 19 2025, Base Salary: Not Disclosed

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JOB DETAILS:

ACENET Microfinance is hiring a Credit Officer to perform the tasks below;

Duties, Roles and Responsibilities

• Responsible for implementation of business and action plans to grow the group and individual loan portfolio.
• Regular training of microfinance clients in financial literacy to enhance their ability to responsibility consume financial services.
• Execute activities that foster good customer relationship, build brand loyalty and contribute to institutions profitability.
• Lend and prudently manage the portfolio to remain within the required standard.
• Lead internal and external sales activities to increase the loan sales to meet branch target.
• Profile key customers and stake holders for better relationship management to better business and remain sustainable.
• Develop innovative and efficient business growth ideas that improve loan performance
• Screen applications based on established criteria, ensure adherence to credit policies, and verify the accuracy of client information;
• Design sales strategies to better branch loan sales in volumes and quality.
• Submit daily, weekly, monthly, quarterly, semi-annually and annual performance reports on the products and services to line manager.
• Proactively plan for the loan products to yield the required target in volume and quality.
• Support in implementation of marketing plans to penetrate the market segment.
• Train and mentor non-credit field staff of TPO Uganda to understand the lending methodology.
• Give feedback on the products and programs of TPO Uganda.
• Implement policies and procedures of the organization as well as feedback on areas of improvement.
• Execute any other duty that may be assigned by line supervisor and the organization from time to time.

Key Performance Indicators

• Number of groups formulated.
• Number of groups trained for lending and financial literacy program.
• Volume of loans disbursed.
• Quality of loan portfolio/ Asset in %tage (Portfolio at risk (PAR) and Non-Performing Loan (NPA)
• Daily and weekly monitoring of the loans with specified amounts.
• Effectively track loans to ensure they are paid on schedule and in the correct amounts
• Net portfolio growth (Ugx) and Case load (number of active loans)
• Income generated (Ugx in Fees and Commission)

Qualifications, Education and Competencies

• University degree in Business Administration, Commerce, Finance, Economics, Management, Statistics, Microfinance or Social Science. Post graduate training in any relevant field will be added advantage.

Skills and experience;

• Attention to detail.
• High level of integrity.
• Able to coordinate multiple tasks.
• High level of interpersonal skills.
• Excellent persuasion, negotiations and analytical skills.
• Entrepreneurial, proactive and ambitious.
• Good verbal and written communication skills.
• Customer service skills.
• Business intelligence and result driven.
• Fluent in Luo.
• Ability to ride a motorcycle with a valid riding permit
• Proficiency in basic computer knowledge.

Work Hours: 8

Experience in Months: 24

Level of Education: bachelor degree

Job application procedure
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