Job Listing: Credit Officer (6 No Experience Fresh Graduate Jobs)

Organization: Eleglance Finance Limited

Location: Kamwokya, Abayita Ababiri, Kabalagala, Jinja, Mbale, Uganda

Reports to: Branch Manager

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About Us:

Eleglance Finance Limited is a privately owned microfinance institution dedicated to delivering tailored financial services to individuals, groups, and SMEs who face challenges accessing mainstream banking services. Our commitment extends beyond providing capital to creating innovative solutions tailored to the financial needs of a growing private equity. Established in May 2012, we have expanded to several branches with our headquarters in Entebbe.

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Job Summary:

The Credit Officer will ensure the smooth operation of the operations department by implementing proper control measures and adhering to established policies and procedures. They will maintain a clean portfolio with a PAR (Portfolio At Risk) of not more than 3% by conducting proper loan appraisals in accordance with set policies and procedures.

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Key Duties and Responsibilities:

• Assess clients’ qualifications for applied loans based on the credit policy manual.
• Interview clients to explain lending procedures and EFL requirements clearly.
• Prepare and submit all required loan processing documents to the credit committee for approval.
• Ensure loan application processing aligns with prescribed timelines as per the Credit Policy.
• Conduct risk assessments to optimize fund recovery.
• Advise management on loan policy and procedure reviews to ensure consistency and alignment with company strategy.
• Stay updated on new loan types, financial services, and products to meet clients’ needs effectively.
• Foster ongoing relationships between the company and clients to achieve high levels of customer loyalty and satisfaction.
• Handle customer complaints promptly and effectively.
• Ensure accurate and timely filing of credit and loan information.
• Regularly follow up on outstanding loans and provide reports to the credit administrator.

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Qualifications, Skills, and Experience:

• Bachelor’s Degree in any business-related course, preferably Business Administration, from a reputable University.
• Fresh graduate.
• Must be able to ride a motorcycle and possess a valid riding license or be willing to learn within the first month of engagement.
• Fluent in commonly used local languages and ready to work in any of our branches.
• Age between 22 – 25 years.
• Ability to plan, organize, and prioritize work.
• Self-driven and result-oriented.
• Demonstrates the highest level of ethical behavior.
• Flexibility to adapt to changes in the work environment.
• Maintains confidentiality of sensitive information.
• Strong work ethic including neatness, punctuality, attention to detail, and accuracy.
• Basic computer skills, including email, word processing, and spreadsheets.
• Excellent interpersonal skills to facilitate interaction with clients and staff.

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IMPORTANT TO NOTE: When applying, please specify the location applied for in the subject line of your application.

How to Apply:

All suitably qualified and interested individuals are encouraged to submit their Cover Letters and Resumes online at the link provided below.

Click Here to Apply:https://talisconsults.com/job/credit-officers/

Deadline: 1st May 2024