2 Credit Analyst Job Placements – UGAFODE Microfinance Limited (MDI)
Job Title: Credit Analysts (2 Job Placements)
Organization: UGAFODE Microfinance Limited (MDI)
Duty Station: Kampala, Uganda
Reports to: Head of Credit
About US:
UGAFODE Microfinance Limited (MDI) is a registered financial institution in Uganda and is adherent to the Central Bank’s regulations and guidelines and was founded in 1994 to provide quality microfinance services.
Job Summary: The Credit Analyst will determine our customers’ creditworthiness and analyze financial data to assess the likelihood of a borrower honouring his/her financial obligations. He/she will work directly with branch managers to ensure 100% compliance with the organization’s credit lending policies and procedures.
Key Duties and Responsibilities:
- Assess creditworthiness of existing or prospective clients
- Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc)
- Complete ratio, trend and cash flows analyses and create projections
- Develop and delivering of staff training programs covering appraisal techniques and recovery.
- Ensure adherence, refinement and development of institutional policies and procedures.
- Continuously instilling a professional risk awareness culture within the institution
- Support branches in assessment of loans for exceptional approval by the various Credit Approval Committees.
- Carefully analyse data and produce clear and objective daily, weekly and monthly credit performance reports to management.
- Ensure all client loan documentation is in conformity with the policies and procedures
- Maintain a clean Loan Portfolio at Risk not exceeding 5% PAR1day at any one time.
- Ensure that quality loan decisions are made at Credit Committee level across the whole branch network and routinely monitor loans for compliance
- Drive the overall profitability of the organization by implementing cost controls and income generation efforts especially from the written off loans and monitoring expenses to ensure compliance to budget.
- Draft models of credit information that predict trends and patterns
Qualifications, Skills and Experience:
- The ideal candidate for the UGAFODE Credit Analyst must hold a Bachelor’s degree in Business Statistics or a business related field from a recognized university
- Three years of proven working experience as a credit analyst or a similar role in a financial institution
- Professional credibility and high integrity
- Proficiency in statistical packages and financial software
- Up to date with legal, compliance and market risk related issues
- Ability to analyze cash flows, leverage, collateral and customer strength
- Strong communication, interpersonal and presentation skills
- Sound judgement
- Flexible and willing to work in any of our Branches / Regions
How to Apply:
All suitably qualified and interested persons who meet the above criteria should submit their motivation letters together with an up to date CV to our email only: recruitment@ugafode.co.ug (please indicate the position you are applying for in the Subject Line ‘’Application for Credit Analyst”). Applications should be addressed to the Head of Human Resources.
Deadline: 13th July 2018
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