Credit Supervisor Jobs – UGAFODE Microfinance Limited

Job Title: Credit Supervisor

Organisation: UGAFODE Microfinance Limited

Duty Station: Kampala, Uganda

Ref: HR/STAFF/VAC – 01/09/7/20

About US:

UGAFODE Microfinance Limited (MDI) is a registered financial institution in Uganda and is adherent to the Central Bank’s regulations and guidelines and was founded in 1994 to provide quality microfinance services.

Job Summary:  The Credit Supervisor will be responsible for entire credit granting process at the branch level; including the consistent application of credit policy, periodic credit monitoring and reviews of existing customers and the assessment of the creditworthiness of potential loan customers in accordance with UGAFODE Credit policies and procedures with the goal of optimizing the mix of both sales and bad debt losses.

Key Duties and Responsibilities:

• Loan client mobilization and business growth: Leads credit officers and sales staff at branch
• level to grow assets by supporting asset mobilization campaigns, liaising with credit officers to meet potential loan applicants, available loan types or credit options that are available including the terms and conditions.
• Portfolio quality Management: Overseeing approvals of loans that are below 5M and in line with Branch/Head Office credit committee, manage the loan administration, monitoring and recovery processes in compliance with set loan standards of the institution.
• Member of Branch Credit committee: Co-approver of all branch loans (member of the branch credit committee) that are below 5M and referring those above 5M to Regional and Head Office credit committees in accordance with UGAFODE credit policies and procedures ensuring compliance thereto.
• Loan compliance: Carry out day- to-day monitoring of client’s loan performance in line with agreed terms and conditions of the loan and per set credit policy and procedures at UGAFODE to guarantee a qualitative loan portfolio.
• Credit reporting: Undertakes reporting (day-to-day) on all client loan compliances, non-compliances, incidents arising out of bad loans and trends in loan repayments as well as any feedback to support a qualitative portfolio for the institution. Preparation and submission of Consolidated loan recovery progress status and projected loan disbursement reports.
• Credit recovery support: co-owner with credit officer for client loan application process at branch level and the subsequent decisions thereof. This includes: monitoring of client’s loan performance, adherence to KYC/AML procedures due to the client, loan collateral and recovery procedures that may arise out of poor loan management processes. Chairs the Branch Credit Recovery Committee(BCRC) meetings in the absence of the Branch Manager
• KIVA Project initiator: Responsible for inputting/uploading into the system and coordination of client KIVA Project information for all those clients borrowing up to 5M within the branch structures of the institution.
• Succession planning: Deputizes the Branch Manager in cases of absence and as such performs all duties of the incumbent as approved or delegated from time to time.
• Team supervision: Takes full responsibility for guiding of all direct reports, focusing on all aspects of sound people management e.g. Coaching, On-the-job training, Development, Performance Management, compliance to set standards and Employee engagement.

Qualifications, Skills and Experience:

• The applicant for the UGAFODE Microfinance Limited Credit Supervisor job placement must hold a Bachelor’s Degree in Finance, Accounting, or Business Administration.
• At least three years of experience in accounting and or credit application processing
• Extensive and in-depth knowledge of credit administration and management in a Banking environment
• Strong analytical skills
• Possess business drive, planning, organising, monitoring and customer service abilities.
• Knowledge of the full MS Office suite
• Team player.

How to Apply:

If you believe you meet the requirements as stated, submit an application letter together with an up- to-date CV to our email: recruitment@ugafode.co.ug. Please indicate the job title and vacancy reference number for the job you are applying for in the Email Subject Line. Your applications should be addressed to the Head of Human Resources

Deadline: 11^th September 2020