11 Personal Bankers – Micro Lending Job at Housing Finance Bank

Housing Finance Bank

11 Personal Bankers – Micro Lending Job Post

Location: Jobs in Uganda 2025 - 2026

Work Hours: Full-time, 08 hours per day

Salary: UGX

No. of vacancies: 11

Deadline: February 12 2025

Hiring Organization: Housing Finance Bank

Job Details:

Job Purpose
Grow the Bank’s Microfinance Loans business through sales, service and retention of a specified portfolio and ensure portfolio quality in line with the Bank’s targets and policies. She/he will implement the HFB procedures during recruitment, loan application, appraisal, loan disbursement and recovery.

Key Result Areas
• Active mobilization, sensitization, recruitment, and recovery of Microfinance Loans, manage existing client relationships to increase/grow Housing Finance Bank share of wallet in the microfinance space as well as promoting a savings culture among them.
• Initiate credit applications for assessment / review by completing the documentation (including financial analysis) and submitting to the credit committee for approval in line with credit policies and procedures. Prepare sales and productivity performance reports as shall be required from time to time detailing the performance progress.
• Present loan files to the credit committees for decision making where necessary and give feedback to applicants in line with the lending policy and procedures of the Bank.
• 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.
• Develop and implement a sales plan and champion specific product selling campaigns to achieve and exceed sales targets.
• Liaise with the Credit Department through the Managers in the Microfinance DTepartment to initiate and participate in the recovery actions for loans in default.
• Handle customer queries and complaints and resolve them in a timely manner and escalate any unresolved queries in line with the Customer Service Charter.
• Deliver accurate and quality loan documentation, in line with approved terms and operating policies.

Financial Responsibility
• Achieve set targets through effective relationship management on assets growth, liability growth and a good quality asset book that will drive profitability of the branch.

Person Specifications
Education & Training
• Must be a holder of an honors degree in Business Administration, Commerce, any other related field from a recognized University.

Skills & Experience
• Minimum of 2 years progressive experience in microfinance.
• 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.

Business Behaviours
• Customer centricity
• Excellent interpersonal and communication skills.
• High level of integrity.
• Result oriented.
• Excellent organisational skills.