Several Credit Officer Job Vacancies – Habitat for Humanity International (HFHI)
Job Title: Credit Officer (Several Job Vacancies)
Organisation: Habitat for Humanity International (HFHI)
Duty Station: Uganda
Reports to: Branch Supervisor
About US:
Habitat for Humanity International is a non-profit, ecumenical Christian housing ministry. The purpose and goal of Habitat for Humanity International is to eliminate poverty housing and homelessness from the world, and to make decent shelter a matter of conscience and action. Habitat invites people of all backgrounds, races and religions to build houses in partnership with families in need. Habitat for Humanity has Administrative Headquarters based in Atlanta, an Operational Headquarters based in Americus, Georgia, and Area Office bases of operations in Manilla, Philippines for our Asia and Pacific work, San Jose, Costa Rica for our Latin American and Caribbean work and Bratislava, Slovakia for our Europe, the Middle East and Africa work.
Job Summary: The Credit Officer will be guiding, coordinating and carrying out credit and related activities at the branch.
Key Duties and Responsibilities:
- Arranging and organizing awareness seminars on services and products offered by Habitat for Humanity Uganda.
- Carrying out training programs using prescribed modules of interest to the clients.
- Assisting credit applicants or borrowers during the application process.
- Liaising with local leaders in the respective localities with a view to identify, assess, appraise and approve loan applicants.
- Assessing the creditworthiness of potential borrowers and advising management accordingly.
- Participate in the credit committee meetings at the branch.
- Follow-up loan applications referred to the National Office for Approval.
- Timely disbursement of credit facilities.
- Supervise loan beneficiary projects during the loan term to ensure proper use.
- Ensuring timely recovery of loan instalments and interest thereof from borrowers.
- Participate in the compilation of loans and Financial Education reports to be submitted to the National Office on a routine basis.
- Assisting the Branch Supervisor in determining bad debts, if any, and the compilation of returns thereof to the National Office.
- Ensuring proper handling of organizational assets (Funds, Computers, Motor-cycles, and Cameras, etc) attached to the branch to facilitate credit operations.
- Ensure proper record keeping and safety of client documentation by maintaining an adequate filing system.
- Carrying out any other duties assigned to him/her by the Branch Supervisor
Key Result Areas:
- Maintaining an average loan portfolio of not less than 200 active clients.
- Maintain a repayment rate of not less than 95% for clients less than 30 days past due.
- Maintain at a Portfolio at Risk (PAR) greater than 30 days past due of not more than 5%.
- Maintain a Loan Use Verification rate of at least not less than 95% per Quarter.
- Supervise and conduct training sessions for Potential and Active clients: Sensitization Meetings and Financial literacy trainings.
- Maintain a Quarterly Portfolio Growth (in terms of clients) of not less than 5%.
- Maintain an average outstanding loan portfolio of at least not less than UGX.250 Million.
- Disburse loans and monitor their performance.
Qualifications, Skills and Experience:
- The ideal candidate must hold a Diploma in the disciplines of microfinance, economics, business administration, or banking and finance.
- Specialized knowledge of and experience with savings-led microfinance delivery methodologies.
- At least three years of experience working for a non-governmental organization or a reputable Microfinance Institution preferred
- Willing to uphold Christian Principles at HFHU
- Prior experience in some aspect of project cycle management.
- Excellent verbal and written communication skills.
- Experience with monitoring and evaluation tools and systems.
- Excellent Computer skills in Microsoft word, excel and point power
- Ability to work effectively independently or in a team environment.
- Excellent analytical and problem solving skills;
- Excellent inter-personal skills; demonstrating diplomacy and tact.
- High level of integrity combined with ability to make bold and timely decisions
- Highly pro-active and self-disciplined.
- Willingness to travel.
- Knowledge of the local languages.
- Ability to ride a motor cycle with a valid permit is a must
How to Apply:
Applicants should Send CV, cover letter and relevant academic documentation by email to the Human Resource Department on: hr@hfhuganda.org. Please note that only short listed candidates will be contacted and any form of lobbying will lead to automatic disqualification
Deadline: 2nd August 2019 by 5:00p,
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