Junior Loans Officer- Graduate Placement Project
Job title: Junior Loans Officer
Division/Department: Sales
Company :
Platinum Credit Limited is a Microfinance Company licensed in Uganda under the Company’s Act and regulated by the Uganda Microfinance Regulation Authority (UMRA).
Founded in 2002, Platinum Credit has a vision to provide Emergency Loans to salaried and self-employed customer. We finance all Civil Servants, employees of selected private sector companies and the business community through a wide range of products.
Job Summary
To evaluate and approve loans within loan limits by reviewing applicants’ financial status, credit history, and property used as collateral.
Requirements
- Completion of the WRP cognitive assessment.
- Age not exceeding 29 years.
- Completion of the self-paced soft skills training under the Enable Project
- Graduation within the past 2 years.
- MUST be part of the Work Readiness Project/Enabel graduate placement
Description of Core Duties
- Detailed description of the main tasks performed by the job holder
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Contact prospective customers to present information and explain available services. Explain technical product or service information to customers. Contact current or potential customers to promote products or services.
- Develop prospects from current commercial customers, referral leads, or sales or trade meetings. Identify potential customers.
- Make presentations on our products to groups and individuals to attract new clients. Deliver promotional presentations to current or prospective customers.
- Analyse applicants' financial status, credit risk, and collateral to determine the feasibility of granting loans.
- Obtain and compile copies of loan applicants' loan application documents, credit histories, corporate financial statements, and other financial information.
- Review and update the credit and loan files of the client.
- Compute loan schedules as required.
- Work with clients to identify their financial goals and to find ways of reaching those goals.
- Collect payments when they fall due and remind clients when the payments will fall due
- Negotiate payment arrangements with customers who have delinquent loans.
- Preparing and interpreting own report
Education, including specialized training
- Knowledge of customer service principles
Experience
- At least one year of relevant work experience, six months of which must be in a sales position.
- Knowledge of office administration
Other attributes
- Above average people skills/soft skills (includes listening skills, stress management)
- Analytical capabilities for report-writing purposes
- Integrity and ability to both work in and lead a dynamic team
- Verbal and written communication skills.
- good knowledge of company credit/lending policy
- Team player who can manage people efficiently in a changing environment.
- Good computer and database skills
- Ability to plan, multi-task, and manage time effectively
Work Conditions and Mental Applications
- Physical work surroundings: Risks and hazards encountered in work surroundings including travel frequency in the ordinary course of duty
- Mental application: The complexity, variety, and difficulty of the work and the amount of discretion and independent judgment required
Accountability and Responsibility
Supervision
- The nature of supervision the jobholder receives, how independent he/she works, and how closely his/her work is supervised
- The role requires a high degree of independence with medium supervision.
- Other times, the role may require frequent interactions with the Team Supervisor and is held to account through results and agreed on key performance indicators
Accountability
- Extent to which the jobholder is expected to make and take decisions and what level of accountability has he/she for these decisions
Responsibility
- The jobholder's responsibility over data or information (particularly access to and custody of such data or information) and sensitivity/confidentiality of such data
- The jobholder's responsibility over assets (value and type of assets that the jobholder is responsible for, including spending limits)
- The jobholder's responsibility over people
Other responsibilities.
- The safety of company assets at the branch is highly needed.
- To participate in branch meetings.
Benefits
Salary UGX 500,000 Gross
Transport
Monthly commission ( performance based)
Weekly bonus UGX 50,000 ( performance based)
Airtime
How to apply.
All candidates should send their updated CVs and application letters through the Brightermonday Portal by Clicking on the 'Apply Now ' section.
