Loans Officer- Kagadi

As a Loans Officer, you will act as a liaison between our financial institution and clients. Your role will involve appraising and evaluating potential clients in a timely and efficient manner, with clear communication to explain the loan application process. You should possess excellent communication skills to make the process easy for applicants.

Education:

• Minimum of a Diploma in Marketing, Accounting, Finance, Banking or any other business related field.
  

Skills:

• Ability to effectively promote and sell products/services.
  
• Strong planning, organizational, and training skills.
  
• Excellent communication, interpersonal, and public relation skills.
  
• Proficiency in Microsoft Word and Excel.
  
• Ability to work under pressure and in teams.
  
• Basic entrepreneurial and problem-solving skills.
  
• Customer-oriented with integrity and professional ethics.
  
• Must be able to ride a motorcycle and hold a valid motorcycle riding permit.
  
• Age: 24-30 years.
  

How to Apply:

If you meet the above criteria, please send your application, including certified copies of academic and professional certificates, CV, postal address, daytime telephone contact, and names/details of at least three (3) referees. Applications should be sent strictly via this email: hr@hofokam.co.ug addressed to the Head of Human Resource.

Market Products

• Develop marketing and work plans to establish a solid clientele base.
  
• Identify and sensitize potential clients within the designated area of operation.
  
• Assess customer needs, explore options, and introduce various loan types.
  
• Analyze potential loan markets and create referral networks to locate prospects.
  
  

Mobilize and Retain Groups

• Mobilize groups for lending purposes.
  
• Train group members in the Hofokam Lending methodology.
  
• Evaluate financial status, credit, and collateral to assess the feasibility of granting loans.
  

Process Loan Applications

• Assess credit risk by inspecting businesses and households of potential clients.
  
• Ensure timely submission of accurate loan documentation for disbursement.
  
• Operate in compliance with laws, regulations, and lending guidelines.
  
• Maintain complete and accurate loan records.
  

Monitor Business Loans / Group Performance

• Attend group meetings as required by the methodology.
  
• Supervise groups to ensure timely repayments and proper group record-keeping.
  
• Maintain group cohesion and recommend product improvements.
  

Collection and Recovery of Loans

• Follow up with group executives to recover overdue loans.
  
• Participate in branch arrears management meetings.
  
• Take action per policy to recover delinquent loans.
  

Portfolio Management and Performance

• Prepare and submit timely reports on clients, repayments, portfolio quality, and loan recoveries.
  

Client Relationships

• Maintain a high standard of customer service and engage with clients regularly.
  
• Advise clients on borrowing and loan management.
  
• Foster trust and loyalty by going the “extra mile” in building client relationships.