JOB DETAILS:
Position Location:
Kamwokya Branch – 1
Abayita Ababiri Branch – 1
Kabalagala Branch – 1
Jinja Branch – 2
Mbale Branch – 1

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 but 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.

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 out policies and procedures, to maintain a clean portfolio with PAR of not more than 3% by carrying out proper loan appraisals in accordance to set policies and procedures.

KEY RESPONSIBILTY AREAS:
Specific Responsibilities:
• Asses’ 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 with new types of loans, financial services and products in order to best meet clients’ needs.

• Develops on-going 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.

PERSONAL SPECIFICATIONS:
• Essential Knowledge and Experience
• A Bachelor’s Degree in any business-related course preferably Business Administration from a reputable University.
• Fresh graduate.
• Must be able to ride a motorcycle and should possess a valid riding license or 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 COMPETENCIES
• Ability to plan, organize and prioritize work.
• Self-driven and result – oriented
• Demonstrate the highest level of ethical behavior.
• Remain flexible in order to adapt to changes in 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.

All qualified and interested candidates should submit their CVs and Cover Letters

IMPORTANT TO NOTE: When applying, ensure to clearly specify the location applied for in the subject line of your application.