Credit Officer

at Eleglance Finance Ltd
Location Kampala, Uganda
Date Posted July 18, 2026
Category Accounting
Audit
Finance
Management
Job Type Full-time
Currency UGX

Description

Job summary

The Credit Officer will ensure smooth running of the operations department by carrying out proper control measures and adhering to set out policies and procedures, to maintain a clean portfolio with PAR of not more than 3% by carrying out proper loan appraisals in accordance with set policies and procedures.

Min Qualification:BachelorsExperience Level:Entry levelLanguage Requirement:EnglishWorking Hours:Full Time - 8 to 5Applicant Location:Uganda

Job descriptions & requirements

 Terms of Employment: Contract
Position Location: Central and Northern Uganda
Duration:
Department: Credit Hours per week: 45
Company Context:
Eleglance Finance is a privately owned microfinance institution dedicated to delivering benefits of financial services tailored to individuals, groups, and SMEs that find it challenging to access services from mainstream banks. Our investment goes beyond providing capital to creating innovative solutions tailored towards the financial needs of a growing private equity. We opened doors in May 2012 and have since then expanded to several branches with our headquarters in Entebbe.
Company Relationships:
Position reports to: Branch Manager
Direct reports: None
Key relationships: The Position works closely with the Branch Manager to ensure the growth of the Company and its Clients.
Job Summary: The Credit Officer will ensure smooth running of the operations department by carrying out proper control measures and adhering to set policies and procedures, to maintain a clean portfolio with PAR of not more than 3% by carrying out proper loan appraisals in accordance with set policies and procedures.
Key Responsibility Areas
Specific Responsibilities
  • Assess client’s qualifications to receive loans applied for based on the credit policy manual. Interview clients to clearly explain the lending procedures and requirements of EFL.
  • Ensure that all required documents for loan processing are prepared and submitted to the credit committee for approvals. Advises clients on necessary documentation.
  • Ensures that all loan application forms are processed in line with the prescribed timelines as per the Credit Policy.
  • Conducts risk assessments to ensure optimum recovery of funds disbursed.
  • Advises management on reviews of loan policies and procedures to ensure they are consistent and capable of delivering the strategy of the company.
  • Stay abreast of new types of loans, financial services and products to best meet clients’ needs.
  • Develops ongoing relationships between the company and the clients with the objectives of achieving high levels of customer loyalty and satisfaction.
  • Handles customer complaints and takes appropriate action to resolve them.
  • Ensure all filing of credit and loan information is done in a timely and accurate manner. Follow up on loans outstanding he/she is responsible for, regularly providing a report to the credit administrator or designated official.
Key Performance Indicators
Please refer to the accompanying Performance Agreement form/Scorecard.
Personal Specification
Education & Certifications:
  • A Bachelor’s Degree in any business-related course, preferably Business Administration from a reputable University.
Essential
Knowledge and Experience
  • Fresh graduate.
  • Must be able to ride a motorcycle and should possess a valid riding license or be willing to learn within the 1st month of engagement.
  • Should be fluent in the commonly used local languages and ready to work in any of our branches.
  • Should be aged between 22 – 25 years of age.
Other Required
Skills & Competencies:
  • Ability to plan, organize and prioritize work.
  • Self-driven and result - oriented
  • Demonstrate the highest level of ethical behavior.
  • Remain flexible to adapt to changes in the work environment.
  • Maintain confidentiality of sensitive information.
  • Possess a work ethic that includes neatness, punctuality, attention to detail and accuracy.
  • Basic computer skills, including e-mail, word processing and spreadsheets.
  • Excellent interpersonal skills to facilitate interaction with the clients and other staff.
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