Organisation: Entrepreneurs Financial Centre (EFC)
Duty Station: Kampala, Uganda
EFC Limited is a microfinance institution in Kampala located in Ndeeba at Master Wood Plaza.
Already well-established in Zambia and Tanzania, the Entrepreneurs Financial
Centre model is a proven market leader providing specialized lending services
in amounts up to UGX 50 million to existing micro and small enterprises. The
purpose of the Entrepreneurs Financial Centre (EFC) is to provide increased
access to specialized financial services for entrepreneurs while contributing
to wealth creation, improvement of living conditions and development of the
Ugandan private sector.
Job
Summary: The Credit Officer will be
responsible for building customer satisfaction and loyalty by maintaining a
mutually beneficial business partnership relationship. The Credit Officer is
primarily responsible to develop a business community profile and ongoing business
relationships with entrepreneurs by offering value added expertise and advice
with a personalized approach. The incumbent also develops and manages a
customer portfolio and contributes to the accomplishment of the EFC business
plan objectives.
Key
Duties and Responsibilities:
·
Provide entrepreneurs a high standard of service
that is both efficient and of sufficient quality to meet their specific needs
and expectations;
·
Determine the needs and expectations of both
existing and potential entrepreneurial customers in terms of financing,
investment and other supplementary products and services;
·
Appraise and assess customer loan applications;
·
In charge of preparing assessments and
recommendations for Head Office Credit Analyst review;
·
Educate customers and potential customers
regarding their obligations and responsibilities regarding loan reimbursement.
·
Assist customers to identify their needs and
advise them regarding the selection of products and services that meet their
financial objectives;
·
Conduct business development activities to grow
business with existing customers and to attract new customer business
opportunities by identifying and proposing products and services that meet
their needs;
·
Market and sell EFC loan and investment products
and services that correspond with the specific customer profile and need;
·
Follow the advancement of customers’ financial
circumstances, their needs and their overall satisfaction to maintain a
mutually secure, lasting and profitable business relationship;
·
Carry out loan application financial analyses and
recommend strategies concerning the adjustment or recovery of loans in
difficulty.
·
In charge of developing an action plan to identify
measurable and attainable sales objectives for the products and services
offered by the EFC as well sales objectives for the acquisition of new customer
business for submission to the Credit Manager/DID Credit Advisor for discussion
and approval;
·
Technically supporting customers in the evaluation
and improvement of their financial position through the development of
objectives and appropriate action plans;
·
In charge of proposing appropriate funding alternatives
for customer projects;
·
Carrying out the offer and sale of financing and
savings’ products as well as all other supplementary services designed for
entrepreneurs;
·
Performing activities related to the follow-up of
loans and specialized savings;
·
Actively participating in various marketing
activities, in particular market research on the needs of various target market
business sectors, the establishment and conservation of relationships with
entrepreneurs and representation activities;
·
Performing various activities to promote the
quality of analyses and administrative follow-up of the files, and support
service officers for the sale and offer of supplementary services;
·
Maintaining a high quality of expertise in the
range of products and services offered for the targeted markets;
·
In charge of identifying customers who would
benefit from EFC products and services;
·
Guiding customers regarding loan application procedures
together with loan terms, conditions and interest rates;
·
Receiving customer loan requests and preparing and
evaluating the loan application in detail:
·
Checking and validating customer information as
provided in the loan application by visiting their home and place of business
and obtaining supporting documents for authentication as required;
·
In charge of determining customer credibility and
moral character and assessing if the application complies with EFC credit
policies;
·
Analyzing customer financial statements, personal
balance sheets, forecasts, available collateral, external factors etc.;
·
Making a recommendation regarding customer loan
applications and presenting same to the Credit Analyst for review and onward
transmission to the Credit Committee for decision;
·
Making follow-up visits with customers after loan
disbursement to verify use of funds and oversee an effective and exact recovery
of overdue loans;
·
Managing the assigned loan portfolio within the
quality standards established by the EFC;
·
Conducting proper loan recovery activities as
prescribed by the EFC;
·
Performance of any other related duties and
responsibilities as assigned by the Credit
·
Manager/DID Technical Advisor (Credit).
Qualifications,
Skills and Experience:
·
The Credit Officer should hold a diploma in
Business Administration or Accounting;
·
Strong people/relationship skills;
·
Practical knowledge of MSE lending in the
financial services sector and the foresight to see how the intricate day-to-day
activities link with and support the achievement of the mission and vision of
the EFC.
·
Excellent oral and written communication skills in
English and Luganda.
All suitably qualified
candidates should send their applications with a detailed CV at our head
offices in Ndeeba on Master Wood Plaza or email only CV and application to:
HR_OFFICER@efcug.com.
NB: Only qualified candidates will be
contacted for an interview.
Deadline: 26th June,
2015
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