The role of this position is responsible for analyzing credit and financial reports to determine risk involved in extending credit. Scrutinizes financial data such as market share, income growth, and management quality to decide if loans will be lucrative. It is also responsible for capacity building of the credit team in credit analysis.

Key Duties and Responsibilities:
• Desk evaluation and assessment of credit risk.
• Vetting credit applications and recommending for approval/rejection
• Suggesting the terms and conditions of credit recommended
• Convey the decision reached on credit proposals to the branch staff responsible for the application
• Conduct collection calls and customer visits to collect additional credit data
• Ensure client loan application documentation completeness in accordance to the Institutional credit policies and procedures.
• Build capacity for Credit Officers (Loan Officers, Supervisors/branch Credit Managers) to ensure that they are well versed and informed about various credit policies and procedures.
• Participate in process improvement of credit policies and procedures.
• Participate in credit project roll outs, and support other management directives as prescribed
• Work with loan officers to anticipate, identify and collect documents needed for efficient, and timely approvals on new and existing credits.
• Assist in maintaining the credit tracking system for all loans
• Provide technical advice or other assistance to loan officers as needed, i.e. Market, train, counsel, advice, and communicate credit department policy and procedures to ENCOT staff.
• Work with loan officers to anticipate, identify and collect documents needed for efficient, and timely approvals on new and existing credits.
• As part of the overall team of the institution, this position may be requested to assist in the support of other institutional activities
• Regular daily/weekly/monthly, MIS report analysis and preparation for management decisions.

Education and Experience:
• Minimum of Bachelor’s Degree in business or any related field.
• At least 3 years’ experience in direct credit operations in a financial institution/MFI.
• Banking knowledge and qualifications would be an added advantage.
• Marketing and Credit Management course is an added advantage.

Core capabilities:
• High level of honesty, integrity and accountability.
• Good organization and management skills.
• Leadership, Communication and quick Decision making skills.
• Computer literacy.
• Ability to achieve results while working independently with little supervise on.
• Thinking deeply, clearly and independently.
• Ability to effectively influence actions and opinions of others.
• Ability to work in teams and build collaborative relationships.
• Ability to maintaining an excellent and reasonable work/life balance
• Ability to work and live with rural communities especially those who are poor and having little or no education
• Ability to communicate fluently in English, Runyoro and basic Kiswahili
• Willingness and ability to perform other duties as may be required from time to time.

Qualified and interested candidates should submit their applications in PDF format (Cover letter and CV only) by email to

hr@encot.org or hand deliver to any of the branches

The Head of Human Resources

ENCOT Microfinance Ltd Plot 88 Port Road,
Masindi P.O. BOX 389,
Masindi-Uganda