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Job Summary

Job Title:
Credit Analyst
Employer:
ENCOT
Location:
Country:
Uganda
Contract Type:
Full Time
Job Category:
Bank Jobs
Number of Positions:
1
Deadline:
Tuesday, 8 October 2024

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Credit Analyst job at ENCOT | Apply Now

Masindi, Uganda

ENCOT Microfinance Limited is a social enterprise committed to transforming lives by providing inclusive financial services to low-income individuals and micro-entrepreneurs in Uganda, with the mission of fostering sustainable economic development and empowerment in underserved communities. Recognized for its deep-rooted presence in rural areas and its ethical approach to lending, ENCOT has earned a solid reputation for reliability, transparency, and positive social impact. The organization nurtures a dynamic and purpose-driven work culture that values professionalism, innovation, and teamwork, offering its staff opportunities for career development, training, and community engagement in a supportive and mission-oriented environment.

Since its inception in 2006 in Masindi, ENCOT has steadily grown into a reputable microfinance institution with multiple branches across Uganda, serving thousands of clients through tailored financial products such as micro-loans, savings, and business development services. Its innovative business model emphasizes client-centric solutions, technology adoption, and sustainable practices, enabling it to remain competitive and impactful in the evolving financial services landscape.

With a vision to reach every underserved community in Uganda, ENCOT continues to expand its outreach and operations while upholding core values of integrity, accountability, respect, excellence, and innovation. Through various CSR initiatives, the institution actively supports education, health, and environmental programs, reinforcing its commitment to holistic community development. More information can be found at www.encot.org.

Are you looking for Bank jobs in Uganda 2024 today? then you might be interested in Credit Analyst job at ENCOT

Full Time

Deadline: 

8 Oct 2024

Credit Analyst job at ENCOT

ENCOT

Job Description

The role of this position is responsible for analyzing credit and financial reports to determine the risk involved in extending credit. Scrutinizes financial data such as market share, income growth, and management quality to decide if loans will be lucrative. It is also responsible for capacity building of the credit team in credit analysis.

Duties, Roles and Responsibilities

  1. Desk evaluation and assessment of credit risk.

  2. Vetting credit applications and recommending for approval/rejection.

  3. Suggesting the terms and conditions of credit recommended

  4. Convey the decision reached on credit proposals to the branch staff responsible for the application

  5. Conduct collection calls and customer visits to collect additional credit data

  6. Ensure client loan application documentation completeness by the Institutional credit policies and procedures.

  7. Build capacity for credit staff (Loan Officers, Supervisors/branch Credit Managers) to ensure that they are well-versed and informed about various credit policies and procedures.

  8. Participate in process improvement of credit policies and procedures.

  9. Participate in credit project rollouts, and support other management directives as prescribed

  10. Work with loan officers to anticipate, identify, and collect documents needed for efficient, and timely approvals of new and existing credits.

  11. Assist in maintaining the credit tracking system for all loans

  12. Provide technical advice or other assistance to loan officers as needed, i.e., Market, train, counsel, advise, and communicate credit department policy and procedures to ENCOT staff.

  13. Work with loan officers to anticipate, identify, and collect documents needed for efficient, and timely approvals of new and existing credits.

  14. As part of the overall team of the institution, this position may be requested to assist in the support of other institutional activities

  15. Regular daily/weekly/monthly, MIS report analysis and preparation for management decisions.

Qualifications, Education and Competencies

See all details of the qualifications, competencies and education for this role under the "How to Apply" section below.

APPLICATION PROCEDURE


Qualified and interested candidates should submit their applications in PDF format (Cover letter and CV only) by email to hr@encot.org or hand deliver to any of the branches by 1:00 pm, Tuesday 08th October 2024


 The Head of Human Resources

ENCOT Microfinance Ltd

Plot 88 Port Road, Masindi

P.O. BOX 389, Masindi-Uganda

Any documents submitted to ENCOT for application purposes shall not be recalled.


Please note that only shortlisted candidates will be contacted.

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Credit Analyst job at ENCOT

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