Housing Finance Bank, is a Commercial Bank and 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 efficiently and effectively attain its strategic objectives, Housing Finance Bank is seeking to hire qualified, versatile and self-driven individuals to join an exciting opportunity to grow the bank’s incremental housing loan segment. The objective of the incremental housing loan is to provide housing financial solutions to low and middle income earners in both the formal and informal sectors of the Ugandan economy
Job Title: Personal Banker – Incremental Housing Loans (8)
Department: Distribution Channels and Customer Experience
Reports To: Branch Manager
Grade: Assistant Banking Officer
Direct Reports: None
Job Purpose:
To grow the Bank’s Incremental Housing Loans business through sales, relationship management and retention of a specified portfolio and ensure portfolio quality in line with the Bank’s policies and procedures. .

Key Result Areas
• Active mobilization, sensitization, recruitment and recovery of Incremental Housing Loans from customers
• Manage existing client relationships to increase/grow Housing Finance Bank share of wallet in the micro housing space as well as promoting a savings culture among the customers.
• 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.
• Develop and implement a sales plan and champion the Incremental Housing loan product selling campaigns to achieve and exceed sales targets
• 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.
• Timely handling of customer queries and complaints and resolution. Where required, escalate any unresolved queries in line with the Customer Service Charter.
• Monitor and evaluate performance of assigned loan portfolio with reference to risk management frame work, customer service standards and the loan terms.
• Liaise with Credit department through the Relationship Manager Incremental Housing to initiate and participate in the recovery of delinquent loans in the branch in line with set policies and procedures governing the recovery process.
Any other related duties that may be assigned from time to time

Behavioral Competencies
• Excellent interpersonal and communication skills.
• High level of integrity.
• Result oriented.
• Excellent organisational skills.

Person Specification Education & Training
• A Bachelor’s Degree in a business related discipline from a recognized university.
• Minimum of 2 years progressive experience in microfinance lending business preferably in a Microfinance or commercial bank
• Proven sales track record in a financial services industry
• 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.
• Customer centricity