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Personal Banker – Microfinance Loans job at Housing Finance Bank | Apply Now

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

Kampala, Uganda

Full-time

Deadline: 

20 Mar 2024

First incorporated as a private limited company in 1967 as Housing Finance Company Uganda Limited, carrying out business as a non-banking credit institution providing mortgage finance and also accepting savings deposits from the public. We became licensed and regulated by Bank of Uganda as a commercial Bank in 2007 to carry on business of a banking under the Financial Institutions Act and changed into a public limited liability company known as Housing Finance Bank Limited.

Personal Banker – Microfinance Loans job at Housing Finance Bank

Housing Finance

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.

  • 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.

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  • 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

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