Job Listing: Personal Banker

Full-time Position

Department: Microfinance

Reports To: Branch Manager or Credit Supervisor

Grade: HFB 4C

Direct Reports: None

Deadline: 20/03/2024

Job Purpose: Grow the Bank’s Microfinance Loans business through sales, service, and retention of a specified portfolio. Implement HFB procedures during recruitment, loan application, appraisal, loan disbursement, and recovery.

Key Result Areas:

1. Actively mobilize, sensitize, recruit, and recover Microfinance Loans.
2. Manage existing client relationships to increase/grow Housing Finance Bank’s share in the microfinance space.
3. Promote a savings culture among clients.
4. Initiate credit applications for assessment/review, complete documentation, and submit to credit committee for approval.
5. Present loan files to credit committees for decision-making, providing feedback to applicants.
6. Ensure effective monitoring of loans, manage delinquency/early warning signs of default.
7. Develop and implement a sales plan, champion specific product selling campaigns to achieve/exceed sales targets.
8. Liaise with Credit department for loan recovery actions on defaulting accounts.
9. Handle customer queries and complaints, resolve them in a timely manner, and escalate unresolved queries.
10. Deliver accurate and quality loan documentation, following approved terms and operating policies.

Financial Responsibility: Achieve set targets through effective relationship management, asset growth, liability growth, and maintaining a quality asset book to drive branch profitability.

Person Specifications:

Education & Training:

• Honors degree in Business Administration, Commerce, or a related field from a recognized University.

Skills & Experience:

• Minimum of 2 years progressive experience in microfinance.
• Good understanding of micro lending processes and procedures.
• Familiarity with portfolio management processes and procedures.
• Sound understanding of laws and regulations related to lending in financial institutions.

Business Behaviors:

1. Customer-centricity
2. Excellent interpersonal and communication skills.
3. High level of integrity.
4. Result-oriented.
5. Excellent organizational skills.

Interested candidates should submit their applications with a recent CV, copies of academic transcripts, certificates, testimonials, daytime telephone contact, postal and email address, and three competent referees by Wednesday, 20th March 2024, 5:00 pm, to:

Chief Human Resources Officer

Housing Finance Bank

Investment House, 4 Wampewo Avenue, Kololo

Email: Recruitment@housingfinance.co.ug

Guidelines for Submitting Documents:

1. Submit all documents in one batch with the following order: Application letter, CV, Academic Documents and Certificates.
2. Maximum document size: 10 MB.
3. Indicate the position you are applying for in the subject line.

Note:

• Only shortlisted candidates will be contacted.
• Any form of canvassing will lead to automatic disqualification.