Credit Analyst Job Jobs at Hofokam Ltd

Jobs in Uganda Uganda Hofokam Ltd Jobs in Uganda Credit Analyst Job Jobs in Uganda at Hofokam Ltd Credit Analyst Job Employment opportunities Hofokam Ltd

Job Title ⇒ Credit Analyst Site ⇒ ugandajobss.blogspot.com
Organization ⇒ Hofokam Ltd
Duty Station Fortportal, Uganda
Reports to ⇒ Head of Credit

About US
Hofokam Ltd is one of the largest Micro Finance Institutions operating in
western Uganda with its head office at Fort Portal. Its vision is to
economically empower households in Uganda

Job Summary ⇒ To Oversee the Credit business of Hofokam and ensure that the
Loans are booked to achieve the targeted business growth and minimize credit
losses within acceptable parameters in line with the Business strategy,
policies and set targets; and the UMRA Laws and Regulation.

Key Duties and Responsibilities
⇗ Review and sanction all Loan proposals new and existing within the set
approval limits in adherence with Hofokam’s Internal credit policies, risk
management guidelines and other required regulations
⇗ Assessment and recommendation of loan files outside their discretion to the
higher sanctioning authority including the Head of credit, Management credit
committee and Board credit committee in a bid to achieve the Institution’s
disbursement target of quality loans.
⇗ Analyze current credit data, financial statements of borrowers to determine
the degree of risk involved in extending credit and determine expected
profitability of loans as well as preparing reports justifying the decision
made.
⇗ Train, coach and mentor staff in the credit value chain in credit
assessment and analysis, loan structure, delinquency management, policies and
procedures in order to maintain quality loans for the Institution.
⇗ Participate in reviewing / updating of the Institution’s Credit policies
and procedures on a regular basis with industry trends, evolving regulations,
and legal requirements as well as their implementation to ensure compliance.
⇗ Review status of aged and delinquent Loan portfolio on a weekly basis;
supervise implementation of delinquency management procedures. where
appropriate determines and recommends new repayment terms for some delinquent
loans or legal action.
⇗ Compile and generate periodic performance related reports to the Head of
department
⇗ Participate in the development and review of the products and lending
methodologies to enhance their performance
⇗ Participate in weekly credit meetings to review performance and guide the
teams for continued improved performance for all indicators
⇗ Conferring with Credit reference bureau and other references to exchange
credit information on clients
⇗ Undertake quantitative and qualitative financial analysis to develop a
comprehensive understanding of counter party risks for new or increased
facilities, conduct regular risk reviews and monitor covenants and conditions
on the existing Loan portfolio base.
⇗ Coordinate and ensure that the post-approval implementation of loan
facilities and legal documentation is in accordance with the conditions of
sanctions.
⇗ Participate in and remain abreast of market developments, stay attuned to
industry and market risk developments and trends in relation to counterparty
exposures and their impact on the underlying portfolio. Provide
recommendations to the Head of Credit.
⇗ Responsibility for personal adherence to Governance, Compliance and Lending
portfolio controls thus ensuring own conformance to policy and procedures
within the credit function, including proactive management of agreed
responsibilities for data integrity.


Qualifications, Skills and Experience
⇗ The ideal applicant must hold a Bachelors degree in Business related Field
⇗ Qualification in Credit Management
⇗ 3-5 years working experience in credit analysis
⇗ Good understanding of accounting both Management and Financial accounting
to analyse financial strengths and weaknesses of clients and identify
potential risks to Credit proposals.
⇗ Gain thorough working knowledge of the risk systems for monitoring and
related procedures for analyzing the account behavior of clients and
identifying trends and shifts in Credit risk profiles.
⇗ Credit risk awareness Ability to conceptualize credit risk inherent in the
Institution’s lending products and the ability to contribute to Internal
Credit assessments and Portfolio strategy discussions.
⇗ Legislation Must be familiar with legislation and statutory requirements
relating to credit approval, administration and monitoring.
⇗ Conceptual and Analytical Skills Must be able to conceptualize issues and
analyze credit proposals to great detail to understand underlying issues.
⇗ Technology Skills Computer literate with proficiency in MS office and
graphic applications, data analysis and presentation.
⇗ Financial Analysis Knowledge Ability to comprehend and analyze financial
statements in regards to credit risk.
⇗ Knowledge of Business Environment Must understand local and global
dynamics of the business environments facing customers, Hofokam and other
stakeholders.
⇗ Performance Oriented
⇗ Personal Ethics and Integrity
⇗ Decisive and Independent
⇗ Good Interpersonal Skills
⇗ Negotiation Skills
⇗ High level of commitment
⇗ Good time Management skills
⇗ Excellent report writing skills
⇗ Strong Organizational skills and ability to manage multiple tasks
⇗ Problem solving skills hypothesis driven thinking, analytical,
quantitative , conceptual skills
⇗ Strong sense of team work
⇗ Strong Communication Skills both Oral and Written
⇗ Proactive Initiator
⇗ Attention to detail and ability to meet deadlines in a timely manner
⇗ People Management and Relationship Skills
⇗ Solid understanding of Lending policies and procedures
⇗ Creative / innovative, and flexible
⇗ Exposure to Credit risk modeling
⇗ Proficient in Microsoft office and advanced Excel

How to Apply
Application letter and CV only should be emailed to management@hofokam.co.ug
Attachments must be in one PDF document and not exceeding 5MB size. Only
Shortlisted candidates will be contacted.

Deadline 22 nd July 2020

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Email⇒management@hofokam.co.ug
URL⇒Link

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Jobs in Uganda Uganda Hofokam Ltd Jobs in Uganda Credit Analyst Job Jobs in Uganda at Hofokam Ltd Credit Analyst Job Employment opportunities Hofokam Ltd

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Brown Alex Thursday, 16 July 2020 Employment opportunities at Uganda Hofokam Ltd Uganda Jobs jobs in uganda