Duty Station : Gulu, Fort Portal , Jinja , Mukono, Matugga, Nabbingo
Reports to : Branch Manager

Job Purpose:
The Credit Officer will mobilize, appraise, disburse, monitor, and recover loans within their portfolio in line with the credit policies, procedures, and set targets.

Duties and Responsibilities:
The employee’s duties and responsibilities shall include but not be limited to:
● Calling Asaak clients and encouraging them to repay their loans
Monitoring tracking devices in clients’ motorbikes and reporting suspicious behavior (including nights and weekends as needed)
● Follow up on tracker removal and transfer of bike details
Update the resold bikes’ details and Name the new bikes in the tracking system.
● Prepare and upload contracts into the AP
● Disburse bikes to clients in line with approved disbursement lists as per company guidelines
● Follow- up on insurance documents and ensure compensation of clients in line with insurance guidelines
● Draft and disburse release letters to clients
● Attend to and provide relevant information to clients at the office for restructures and impounded cases in line with company guidelines
● Analyzing client loans within their respective portfolios and solving different client problems and complaints in line with company guidelines
Maintain a healthy portfolio under the assigned clients by initiating recovery actions for loans in default.
● Contact clients and disburse 3rd party stickers
● Follow up on clients to process permits and update permit list on disbursement days
● Stay abreast of new types of loan products and other financial services and in order to better meet customers’ needs.
● Conducting field visits associated with recoveries and compliance, managing the assigned loan portfolio
● Negotiate payment arrangements with customers who have delinquent loans.
● Recommending repeat clients for new loans
● Share weekly, bi-weekly and monthly reports in line with departmental guidelines.
● Sensitise customers about Asaak loan products and services in line with the set targets.

Person Specifications:
The job holder requires the following specifications:
● Strong communication, interpersonal and analytical skills
● Must possess excellent multi-tasking skills and ability.
● Ability to work under pressure with minimum supervision
● Ability to use a smartphone/computer and Google Applications is an advantage.
● Must have a keen eye for detail
● Ability to ride a motorcycle and possess a valid riding license with Class A will be an added advantage

Minimum Requirements:
● Hold a minimum of a Bachelor’s degree in Business Administration, Marketing, Microfinance or other related field.
● Have at least 1 year of working experience in Marketing, Collections, and Managing Credit portfolios
● Prior experience as a loan officer is an advantage
● Knowledge of Boda Boda financing is a plus.