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Job Summary
Job Title:
Personal Banker – Microfinance Loans
Employer:
Housing Finance
Location:
Country:
Contract Type:
Full-time
Job Category:
Bank Jobs
Number of Positions:
1
Deadline:
Wednesday, 20 March 2024
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Personal Banker – Microfinance Loans job at Housing Finance Bank | Apply Now
Kampala, Uganda
Housing Finance Bank is a leading financial institution dedicated to providing accessible, innovative, and customer-centric housing finance solutions that empower individuals and businesses to achieve their homeownership and real estate investment goals. With a strong reputation for reliability, transparency, and excellence in mortgage and housing finance, the bank has earned recognition as a trusted partner in the financial sector.
The institution fosters a dynamic and inclusive work culture, offering employees competitive benefits, professional development programs, and a supportive environment that encourages innovation and collaboration. With diverse job opportunities in banking, finance, risk management, customer service, and administration, the bank provides flexible work arrangements that promote efficiency and work-life balance.
Established with a vision to transform the housing finance landscape, the bank has grown through strategic partnerships, financial product diversification, and a customer-first approach, continuously evolving to meet the changing needs of clients. Its innovation-driven business model integrates digital banking, data analytics, and tailored mortgage solutions to enhance accessibility, affordability, and convenience. With an extensive operational reach, Recruitment Housing Finance Bank serves customers across Uganda, offering a wide range of financial products, including home loans, construction financing, savings plans, and investment opportunities.
Rooted in core values of integrity, customer focus, excellence, and sustainability, the bank remains committed to ethical banking practices and long-term financial empowerment. Through Corporate Social Responsibility (CSR), the bank actively supports financial literacy programs, affordable housing initiatives, community development projects, and environmental sustainability efforts. For more information on services, career opportunities, and housing finance solutions.
Are you looking for Bank Jobs in Uganda 2024? If yes, then you might be interested in Personal Banker – Microfinance Loans job at Housing Finance Bank
Full-time
Deadline:
20 Mar 2024
Personal Banker – Microfinance Loans job at Housing Finance Bank
Housing Finance
Job Description
Duties, Roles and Responsibilities
Qualifications, Education and Competencies
Housing Finance Bank is the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance. To attain its strategic objectives efficiently and effectively, Housing Finance Bank is seeking to hire a qualified, versatile, and self-drive individuals for available positions regardless of race or gender.
Job Title: Personal Banker – Microfinance Loans
Department: Microfinance
Reports To: Branch Manager or Credit Supervisor
Grade: HFB 4C
Direct Reports: None
Interacts/interfaces with:
Internal – Personal Banking Team, Branch Manager, Credit Supervisor Microfinance, Credit Teams
External – Customers
Job Purpose
Grow the Bank’s Microfinance Loans business through sales, service and retention of a specified portfolio and ensure portfolio quality in line with the Bank’s targets and policies. She/he will implement the HFB procedures during recruitment, loan application, appraisal, loan disbursement and recovery.
See all details of the qualifications, competencies and education for this role under the "How to Apply" section below.
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Active mobilization, sensitization, recruitment, and recovery of Microfinance Loans, manage existing client relationships to increase/grow Housing Finance Bank share of wallet in the microfinance space as well as promoting a savings culture among them.
Initiate credit applications for assessment / review by completing the documentation (including financial analysis) and submitting to credit committee for approval in line with credit policies and procedures. Prepare sales and productivity performance reports as shall be required from time to time detailing the performance progress.
Present loan files to the credit committees for decision making where necessary and give feedback to applicants in line with the lending policy and procedures of the Bank.
Ensure effective monitoring of loans with reference to risk management framework, customer service standards and loan terms through regular visits to clients and manage delinquency /early warning signs of default by following up on problem clients.
Prepare sales and productivity performance reports as shall be required from time to time detailing the performance progress.
Develop and implement a sales plan and champion specific product selling campaigns to achieve and exceed sales targets.
Liaise with Credit department through the Managers in the Microfinance department to initiate and participate in the recovery actions for loans in default.
Handle customer queries and complaints and resolve them in a timely manner and escalate any unresolved queries in in line with the Customer Service Charter.
Deliver accurate and quality loan documentation, in line with approved terms and operating policies.
Financial Responsibility:
Achieve set targets through effective relationship management on assets growth, liability growth and a good quality asset book that will drive profitability of the branch.
SERVICES
COMMERCIAL
SERVICES
INDUSTRIAL
SERVICES
RESIDENTIAL
Must be a holder of an honors degree in Business Administration, Commerce, any other related field from a recognized University.
Skills & Experience
Minimum of 2 years progressive experience in microfinance.
Good understanding of micro lending processes and procedures preferably from a microfinance institution or commercial bank.
Good understanding of portfolio management process and procedures.
Sound Understanding of Laws and regulations relating to lending in Financial Institutions.
Business Behaviours
Customer centricity
Excellent interpersonal and communication skills.
High level of integrity.
Result oriented
Excellent organisational skills
APPLICATION FOR THIS POSITION MUST BE DONE ONLINE:
Please take note that all applications should be sent by email to recruitment@housingfinance.co.ug
