Junior Credit Analyst Job Opportunities – ENCOT Microfinance Ltd
Job Title: Junior Credit Analyst (JCA)
Organisation: ENCOT Microfinance Ltd
Duty Station: Uganda
About US:
ENCOT Microfinance Ltd is a social impact, fast growing and innovative MFI Headquartered in Masindi. Operating a network of FIVE branches located Masindi, Kigumba, Hoima, Kagadi and Nakasongola, ENCOT’s mission is to provide loans and enterprise development services to small/medium size rural entrepreneurial communities, most especially women, to allow them curve their own paths out of poverty through creation of own jobs. It serves over 20,000 clients in the Mid-Western / Central Regions.
Job Summary: The Junior Credit Analyst (JCA) will be tasked with analyzing credit data and financial information of persons or companies that are applying for credit or loans to determine the risk levels. The Junior Credit Analysts will prepare reports based upon their findings to help make decisions on lending and credit-worthiness
Key Duties and Responsibilities:
- Evaluating clients’ credit data and financial statements in order to determine the degree of risk involved in lending money to them
- Preparing reports about the degree of risk in lending money to clients
- Analyzing client records and using the data to recommend payment plans
- Conferring with credit associations and references to exchange credit information on clients
- Evaluating the financial status of clients by producing financial ratios through computer programs
- Filling out loan applications and including the credit analysis and loan request summaries, then submitting these loan applications to loan committees for their approval
- Helping supply chain and sales and marketing departments in managing financial orders to help them control credit exposure, make payments on time, and reduce the risk of customer disputes
- Conferring with clients to verify their financial/credit transactions and to resolve their complaints
Qualifications, Skills and Experience:
- The applicant must hold a Bachelor’s Degree in business or any related field.
- Three years of experience in direct credit operations in a financial institution/MFI
- Banking knowledge and qualifications would be an added advantage
- Marketing or Credit Management course
How to Apply:
All suitably qualified and interested candidates should send their applications in PDF (Cover Letter, CV, and Copies of relevant Academic papers) by email only to hr@encot.org or hand deliver their applications to the address below;
The Head of Human Resources,
ENCOT Microfinance Limited,
Plot 88. Port Road,
P.O. Box 389, Masindi – UGANDA
Deadline: 1st June 2018
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