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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
Credit Analyst job at ENCOT
ENCOT
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.
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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.
Desk evaluation and assessment of credit risk.
Vetting credit applications and recommending for approval/rejection.
Suggesting the terms and conditions of credit recommended
Convey the decision reached on credit proposals to the branch staff responsible for the application
Conduct collection calls and customer visits to collect additional credit data
Ensure client loan application documentation completeness by the Institutional credit policies and procedures.
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.
Participate in process improvement of credit policies and procedures.
Participate in credit project rollouts, and support other management directives as prescribed
Work with loan officers to anticipate, identify, and collect documents needed for efficient, and timely approvals of new and existing credits.
Assist in maintaining the credit tracking system for all loans
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.
Work with loan officers to anticipate, identify, and collect documents needed for efficient, and timely approvals of new and existing credits.
As part of the overall team of the institution, this position may be requested to assist in the support of other institutional activities
Regular daily/weekly/monthly, MIS report analysis and preparation for management decisions.
SERVICES
COMMERCIAL
SERVICES
INDUSTRIAL
SERVICES
RESIDENTIAL
Minimum of Bachelor’s Degree in business or any related field.
At least 3 years’ experience in direct credit operations in a financial institution/MFI.
Banking knowledge and qualifications would be an added advantage.
Marketing and Credit Management course is an added advantage.
Core capabilities:
a) High level of honesty, integrity, and accountability.
b) Good organization and management skills.
c) Leadership, Communication, and quick decision-making skills.
d) Computer literacy.
e) Ability to achieve results while working independently with little supervision.
f) Thinking deeply, clearly, and independently.
g) Ability to effectively influence the actions and opinions of others.
h) Ability to work in teams and build collaborative relationships.
i) Ability to maintain an excellent and reasonable work/life balance
j) Ability to work and live with rural communities especially those who are poor and have little or no education k) Ability to communicate fluently in English, Runyoro, and basic Kiswahili
l) Willingness and ability to perform other duties as may be required from time to time.
