Description

Baikal Finance Services is hiring a Loan Officer with the following key duties and responsibilities;

Key Duties and Responsibilities:

Loan Origination & Appraisal:

• Identify, appraise, and recommend viable loan applications for approval.
• Conduct thorough credit assessments and verify customer, business, and collateral information.
• Ensure loan applications comply with company credit policy and risk guidelines.
• Disburse approved loans accurately and in a timely manner.

Portfolio  Management:

• Manage and grow an assigned loan portfolio within approved risk limits.
• Monitor loan performance and maintain high portfolio quality.
• Identify early warning signs of default and recommend corrective action.
• Track delinquency trends to minimize Portfolio at Risk (PAR).

Field Operations:

• Conduct field visits to assess business viability and confirm loan purpose.
• Verify customer residence, business premises, and guarantor details.
• Maintain accurate and up-to-date customer records.
• Follow up on early arrears before accounts deteriorate.

Customer Relationship Management:

• Build and maintain professional relationships with customers and referral networks.
• Educate customers on loan terms, obligations, and repayment schedules.
• Resolve customer concerns professionally and promptly.
• Ensure fair, ethical, and transparent dealings with all customers.

Reporting & Compliance:Management

• Prepare accurate daily, weekly, and monthly loan appraisal and portfolio reports.
• Ensure compliance with credit policy, KYC, and regulatory requirements.
• Maintain proper documentation for all loan files.

Fraud Prevention:

• Identify suspicious or fraudulent loan applications.
• Verify customer information diligently during appraisal and disbursement.
• Report suspected fraud immediately and support investigations when required.

Qualifications, Skills and Experience:

• Diploma or Bachelor’s Degree in Business Administration, Finance, — Accounting, Economics, or a related field.
• Experience in loan origination, credit analysis, banking, or microfinance is mandatory.
• Strong analytical, negotiation, and communication skills.
• Ability to work independently and achieve performance targets.
• Excellent problem-solving and customer service skills.
• Valid riding permit is mandatory.
• High integrity, professionalism, and attention to detail.

Interested candidates should send their CV and Cover Letter. Please use the subject line: Application – Loan Officer to hr@baikalfinance.ug