MSME Credit Officer at VisionFund Uganda, Kampala, Uganda
Job Description
Purpose of the position:
To build and maintain a substantial and high quality Micro and Small Enterprises loan portfolio
Major Responsibilities: (please define in output format – 1-10 things of what you expect to see as a result of this position)
Key responsibilities and weighting (adds to 100%)
Key tasks & outputs Indicators
20%) Marketing
• Assist in conducting market research and survey activities;
• Solicits new loan accounts in accordance with specific periodic performance targets prescribed in the branch business plan;
• Conducts active marketing campaign to attract new clients;
• Orients prospective clients about VFU’s loan products;
• # new clients
• # repeat clients/retention rate
(45%) Manage loan process
• Receives loan applications and perform credit appraisal on loan applicants and his/her surety/ guarantor, if any;
• Conducts inspection and/or appraisal of any property being offered as collateral
• Prepares and presents credit applications to the branch credit committee for approval;
• Member of loan committee
• # loans disbursed Portfolio volume against planned
• Caseload per credit officer
• Number of female clients
(30%) Manages portfolio quality
• Conduct regular visits to clients and build strong relations with them before, during and after the disbursement
• Closely monitors loan payments and ensures zero tolerance against past due;
• Effectively negotiates
• Acts to support other loan officers in delinquency crisis.
• No. of client visits
Portfolio at risk over 1 day
Loan loss ratio
• (5%) And any other duties that may be assigned by the Branch manager from time to time
Core Capability Proficiency level (1, 2, 3)
Examples of advanced proficiencies
Achieving Capabilities
Achieving quality results and service
• Able to manage an effective portfolio both in terms of quality and quantity
• Ensure high level of transparency
• Complete tasks in timely and cost effective manner
• Able to train clients effectively
• Practicing accountability and integrity
• Communicating information effectively
Thinking Capabilities
Thinking clearly, deeply and broadly
• Understands and practices the basic principles of microfinance.
• Greater integration with WV ADPs
• Understanding the MF industry
• Understanding WV’s mission & operations
• Practicing innovation & change
Self-managing Capabilities
Demonstrating Christ-centered life and work
• Continues to seek improvement in the branch/ sub branch
• Willingness to work with the poor and respect for others
• Self improvement initiative(s)
• Demonstrate a growing understanding of and respect for Christian diversity and other faiths
• Reflects Christ like values in work and life
• Maintain self control under pressure
• Prioritizes many demands without losing focus
• Should take leave
• Learning for growth and development
• Maintaining work/life balance
Relational Capabilities
Building collaborative relationships
• Builds a strong business relationships with clients
• An excellent team player
• Able to work effectively with WV staff
• Appreciates gender and cultural diversity
• Collaborates with local authorities and communities.
• Practicing gender & cultural diversity
• Influencing Micro and Small business individuals
Other Competencies/Attributes:
• Must be a committed Christian, able to stand above denominational diversities.
• Attend and participate in the leadership of daily devotions.
• Perform other duties as required by the branch manager or operations manager.
• Possess at least two years’ experience in Credit administration
Working Environment / Conditions:
• Office environment: : Few hours in office (20%) with extensive field travel (80%)
• Travel: 100 % Domestic travel is required.
• • On call: (in the after normal working hours?)
