Hofokam Ltd
Description

 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.

Reports to: Loans Supervisor

Key Duties and Responsibilities:

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.

Qualifications, Skills and Experience:

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.

Deadline: 9th December 2024 by 05:30 P.M

Please Note the Following:

  • All application documents (Application Letter, CV, National ID Photocopy, Professional Certificates, and Certified Academic Documents) must be attached as ONE PDF DOCUMENT.
  • The Academic Documents attached Must be CERTIFIED COPIES.
  • Candidates with only Academic Testimonials SHOULD NOT apply.
  • Only Shortlisted Candidates will be contacted.
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