Credit Officer
| Location | Kampala, Uganda |
| Date Posted | September 5, 2025 |
| Category | Accounting Audit Finance Management |
| Job Type | Full-time |
| Currency | UGX |
Description
Job Summary
The Credit Officer is responsible for assessing loan applications, monitoring portfolio performance, and ensuring adherence to the institution’s credit policies, to maintain a clean portfolio with PAR of not more than 3%.
- Minimum Qualification : Bachelors
- Experience Level : Entry level
- Experience Length : 1 year
Job Description/Requirements
Terms of Employment: Contract
Position Location: Central and Northern Uganda
Duration: Open
Department: Credit
No. of Positions: 10
Company Context:
Eleglance Finance is a privately owned microfinance institution dedicated to delivering the 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 is responsible for assessing loan applications, monitoring portfolio performance, and ensuring adherence to the institution’s credit policies, to maintain a clean portfolio with PAR of not more than 3%.
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 approval. 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 with 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.
- Handle customer complaints and take 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.
Minimum Requirements
- A Bachelor’s Degree in any business-related course, preferably Business Administration, from a reputable University.
- Fresh graduate aged between 22 to 25 years.
- 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.
Other Required Skills & Competencies:
- Ability to plan, organise and prioritize work.
- Self-driven and result-oriented
- Demonstrate the highest level of ethical behaviour.
- 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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