Categories: JobsJOBS

Credit Officer Community Banking (Central) Job at Pride Micro Finance

Organisation: Pride Micro Finance
Position : Credit Officer Community Banking (Central)
Deadline: 08/Dec/2018
Job Description:
MAIN  PURPOSE  OF  THE  JOB:
Recruit  and  train  clients  through  registration  and  loan  disbursement  which  leads  to  growth  in  loan  portfolio.

DUTIES  AND  RESPONSIBILITIES:
1.Achieve  and  maintain  the  set  monthly  targets.
.  Recruit,  train  clients  and  disburse  loans.
•  Mobilize  savings  deposits.
•  Sell  other  Pride  products.
•  Make  CRB  credit  applications.
•  Follow  upon  loan  repayment  and  Loan  Insurance  Fund  (LIF)  collection  in  all  CECs.
•  Follow  upon  loan  recovery  process.
•  Generate  business  growth.
2.Comply  with  branch  and  BoU  set  targets.
•  Follow  up  payment  for  and  enrolment  of  clients  on  to  the  credit  reference  bureau  before  accessing  loans.
•  Post  loans  accurately.
•  Prepare  weekly  monitoring  reports  on  prospective  and  existing  clients.
3.Compile  reports  on  the  ongoing  loan  disbursement.
•  Update  client  loan  files.
.  Prepare  draft  report  for  submission  to  the  Credit  Supervisor.
•  Recommend  to  the  supervisor  any  changes  to  improve  service  to  clients.
4.Filing  loan  documentation.
•  File  all  relevant  information  as  per  Pride’s  policies  and  procedures.
•  Verify  completeness  of  loan  application  file.
•  Submit  files  to  credit  supervisor  for  verification.

KEY  RESULT  AREAS  PERFORMANCE  MEASURE  /  KPI
1.Achieve  and  maintain  the  set  monthly  targets  while  on  probation.
a)Starting  a  New  Portfolio:
•  Monthly  disbursement  of  at  least  35  new  loans.
•  Maintain  at  least  160  active  clients  on  a  monthly  basis
•  Maintain  at  least  Ugx  55  million  in  outstanding  portfolio  on  a  monthly    basis
•  PAR  (30  days  past  due)  of  1%  and  below
•  Client  retention  rate  of  95%
•  5  new  VSP  accounts  per  month

b)With  Inherited  Portfolio:
•  Monthly  disbursement  of  at  least  40  new  loans.
•  Maintain  at  least  400  active  clients  on  a  monthly  basis
•  Maintain  at  least  Ugx  200  million  in  outstanding  portfolio  on  a  monthly    basis
•  PAR  (30  days  past  due)  of  1%  and  below
•  Client  retention  rate  of  95%
•  5  new  VSP  accounts  per  month

2.Achieve  and  maintain  the  set  monthly  targets  after  confirmation.
•  Monthly  disbursement  of  at  least  40  new  loans.
•  Maintain  at  least  400  active  clients  on  a  monthly  basis
•  Maintain  at  least  Ugx  200  million  in  outstanding  portfolio  on  a  monthly    basis
•  PAR  (30  days  past  due)  of  1%  and  below
•  Client  retention  rate  of  95%
•  5  new  VSP  accounts  per  month
3.  Ensure  Compliance  of  the  branch  to  BOU’s  set  targets.
•  100%  Credit  applications  for  all  loans  disbursed  monthly.
•  90%  compliance  for  CBA  each  month.
•  95%  for  CAP  on  a  monthly  basis.
•  90%  for  Borrower  Stakeholders  (BS)  file
•  90%  in  Collateral-  Credit  Guarantee  (CCG)  file
•  90%  for  Collateral  –  Material  Collateral  (CMC)  file
•  Financial  Malpractice  (FM)  file
4.  Compile  periodic  reports  on  the  ongoing  loan  disbursement  process.
•  100%  accuracy  in  loan  posting  into  the  banker’s  realm.
•  Daily  reports  on  delinquent  accounts  submitted  to  Credit  Supervisor.
•  Weekly  monitoring  reports  on  prospective  and  existing  clients  compiled  for  analysis.
5.Ensure  accurate  and  timely  filing  of  all  CBP  documentation.

Miiro Allan

I am a team player who is committed to learning, excellence, ethics and people, also an excellent communicator with great interest in technology innovations, branding and communications for Business and passion for community service and positive change.

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