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Position Title:Credit Manager, Business Lending
Organization:FINCA International
Primary Location:Kampala, Uganda
Department: Operations
Education Level: Bachelor’s degree
Job Type : Full-time Employment
Brief Company Profile:
The Credit Manager, Business Lending is a key position of FINCA UGANDA’s IL
credit operations. This role is designed
to ensure proper implementation of the IL credit policy and ensure that credit
staff has the capacity to deliver these products in a highly efficient and
profitable manner that creates an overall positive customer experience
throughout the loan cycle. Will also be responsible for continuous review,
improvement and development of product, credit analysis, delinquency
management, and credit Staff trainings.
The Credit Manager, Business Lending strive to ensure that the company
presents characteristics consistent with a credit ethos that will win community
trust, respond to client needs and raise client awareness regarding the
opportunities that FINCA credit product can provide.
RESPONSIBILITIES
The Credit Manager, Business Lending will be accountable for:
·
Work on a daily basis with the
staff in the branches in close coordination with the respective RM.
·
Make sure every branch staff
understands his/her role in the BL Credit Manual (i.e. BL LOs, BL SPV, BM, CCO,
BOS and teller) by holding meetings, giving individual explanations and
granting individual training
·
Mentor LOs on the loan analysis
handbook by accompanying them at business and home visits, and other activities
(such as follow-up and confiscation). Make sure LOs fully understand the loan
analysis and are able to carry-out high quality assessments and well excellent
loan proposals to the credit committee.
·
Mentor the SPV and BM to assure
they are able comply with their responsibilities, in particular their
archiving, supervision and credit committee chairing role
·
Be present in the CC to assure
high quality CCs and good decision making, i.e. a active and critical level of
discussion, compliance with approval ratios and understanding of the graduation
principle (of rewarding and punishing depending on the credit history)
·
Make sure the BL Credit Manual is
well maintained and all BMs know how to coordinate all the feedback from the
field staff for the policy update.
·
Make sure BMs, SPVs and LOs use
the BL Credit Manual as a working basis.
·
Make sure all documents and forms
which are required according to the BL Credit Manual are available to the
respective branch staff in all branches. Interact with the administration
department in case of problems to solve shortcomings. All BMs need to have a
softcopy of all documents and forms on their computers and have to be able to
print them.
·
Supervise and control compliance
to the BL Credit Manual by every branch staff; especially by LOs in regards to
loan analysis and proposal, and by SPV and BMs in regards to approval
restrictions (ratios), supervision duties, handover, clustering, archiving and
SAS (PAR) and all other duties described in the BL Credit Manual
·
Discuss and gather feedback for
policy improvement with the branch staff and RM; channel the feedback to the
COO for product improvement
·
Control efficiency and
effectiveness of the IL Credit Manual in the field and propose improvements to
COO
·
Identifying staffing needs and
coordinating with the HRM and actively participating in the recruitment process
for IL credit staff as either part of the hiring committee and/or hiring
approval process
·
Coordinating with the Training
Manager to build credit staff competency, designing courses and conducting training
where required
·
Develop strategies for portfolio
growth and client outreach in existing and new regions.
·
Other duties may be assigned
where appropriate.
SUPERVISORY RESPONSIBILITY
For credit related issues/initiatives, the Credit Manager, Business Lending
closely works with Regional Managers and/or Branch Managers to ensure
first-rate implementation and performance of FINCA UGANDA IL credit operations.
The Credit Manager, Business Lending
will evaluate Branch Managers on their performance related to credit Committee
responsibilities and operations. In this
context, the Credit Manager, Business Lending will be required to provide
guidance and support in all areas of credit including technical aspects to
enable credit staff to properly oversee the implementation of products and
deliver on actual product performance (Growth and PAR).
QUALIFICATIONS
·
5 years of relevant experience, 3 of which in banking and credit
development focused
·
Strong credit analysis skills and experience
·
Exposure to microfinance
EDUCATION & EXPERIENCE
Bachelors Degree in Business, MBA a plus
Language Skills: Fluency in English
Computer Skills
To perform this job successfully, an individual should be proficiency with
Microsoft Excel, Word, and Power Point.
KEY DELIVERABLES
·
Implement SME lending profile.
·
Ensure the IL credit policy is
up-to-date, understood by all employees, and properly implemented.
·
Develop specific key market
growth and outreach strategies and work with the COO (Head of Business) ,
Regional Managers, and Branch Managers to implement.
·
Ensure information from marketing
is acted upon to improve product policies and delivery.
·
Staff Development
·
Culture Change
TRAVEL REQUIREMENTS
Availability to travel (50%-70% of the time)
Mode of Application:
If you are qualified and interested in
please submit your resume online by visiting the e-recruitment website HERE.
