Tujijenge Financial Services Loan Supervisor Jobs in Uganda
Job Summary:
The Loan Supervisor’s primary objective is to ensure that they, through a team of loan Officers assigned to them, manage a good quality loan portfolio in line with the company policies and procedures.
S/he is responsible to ensure discipline in their team, adherence to company policies, monitoring on a daily basis and ensuring proper and timely analysis, mentoring and reporting.
The Loan Supervisor is a management team leader of the branch and is expected to lead by example and be the face for the company in the protection of company assets.
Key Areas of Focus
Growth of loan portfolio, increase in number of borrowers with a reduction in PAR to standards of below 8%
Achievement of monthly set targets
Balance in sales for all Tujijenge products
Reduction in written-off loans
Timely and accurate reporting
Roles and Responsibilities
Credit Management
Review daily monitoring reports, make necessary changes where possible and submit them to accounts for posting
Be part of the Branch Credit Committee member and branch guide in making rational decisions geared at branch growth.
Analyze, review and recommend for approval or rejection of all loans at Branch office approval jurisdiction in line with the credit and lending policies.
Review and under study Tujijenge’s credit lines for the purposes of correcting any inadequacies according to the market in line with Tujijenge’s policies and procedures.
Promote all Tujijenge Products as well as client’s needs are satisfied through proper market segmentation.
Ensure marketing materials for the products are availed to the branch to support growth and sales.
Manage client recruitment, selection, Training and assessment process.
Grow the portfolio to the required set targets as agreed upon in the strategic plan.
Training and Team Development
Nature Loan officers to perform better for career growth and development
Initiate training needs assessment; train, guide and mentor credit personnel on credit assessment, monitoring and delinquency management in line with Tujijenge’s policies and procedures
Motivate and ensure a highly efficient workforce. Build teams to ensure they are united and work in line with Tujijenge culture.
Oversee, monitor, mentor and guide a team of Loan Officers in the delivery of good quality financial products and services to ensure a good quality, productive workforce with good customer service.
Performance Management
Regularly engage with your cluster teams to discuss the day’s performance progress, challenges encountered and come up with solutions to the problems
Prepare timely staff performance evaluation reports for the staff and make any relevant recommendations to the branch manager in line with Tujijenge’s policies and procedures.
Ensure performance appraisal exercise is conducted in a fair way to avoid demotivation of the staff.
Ensure participation in decision-making against any good/underperforming staff in your respective cluster.
Compliance Management
Ensure cluster discipline and abidance to company policies and procedures, initiate and take corrective action when need arises.
All staff to comply to the lending policies and procedures for both group and individual clients stipulated in the lending manuals
Be part of the Branch Credit committee member and as part of the branch management safeguard Tujijenge’s policies and procedures
Cluster Delinquency Management
Ensure groups and individual clients are monitored and daily loan officer monitoring reports should be sent to your supervisor.
Keenly examine all loan applications and ensure the adequacy and completeness of pre loan eligibility requirements. Client screening criteria, collateral and loan approval authority levels must be fulfilled.
Actively monitor loan repayments to ensure they are within the acceptable due dates
Ensure regular audits and spots checks are done to track any fraudulent practices
Design strategies and action plans for recovery of delinquent loans and transform them into active good ones that are standard in line with Tujijenge’s policies and procedures.
Initiate and design analytical delinquency monitoring and tracking tools for portfolio quality management in line with Tujijenge’s policies and procedures.
Maintain a clean branch portfolio of not more than 8% 1 day.
Work with court bailiffs to ensure reported cases are handled promptly and recoveries done in line with the statutory laws and Tujijenge policies and procedures.
Customer care Management
Regularly review and resolve client queries and complaints in order to maintain quality service delivery in the branch.
Ensure high loan processing speed and quick feedback to customers to keep their motivation
Adhere to the ten rules of customer care service
Cluster reporting
Evaluate performance of the loan portfolio both growth and quality, generate and submit weekly and monthly reports to the Branch Manager/ Regional Manager.
Closely monitor non-performing loans and provide periodic status report to compliance and debt recovery Manager.
Respond to emails on daily basis to internal and external people as they may require
Disseminate relevant communication to teams at all times to enable them be up to date with the institutions plans and activities. Provide a link between the cluster members and Tujijenge departmental heads.
Qualifications and Experience
Minimum of a diploma in business studies of Accounting, Finance, Economics and any other related field of study.
Two principle passes at A level with Credits in Math and English.
A sound knowledge of microfinance and principles and practices of banking
Two year’s working experience with Micro-finance institutions, the Banking sector or lending institutions.
Competences
Excellent time management skills; able to prioritize tasks and assignments.
A positive and professional attitude to work.
Ability to work under minimal supervision.
Excellent computer skills
High level of integrity
Confidentiality and professionalism
Excellent analytical skills
Excellent oral and written communication
Excellent report-writing skills
Good interpersonal relationship skills
People management skills
Good Presentations skills
Innovative
Ability to give attention to details.
Desired Behavior
Self-confidence, self-drive, confidentiality, honesty, proactiveness, compliance to policies, efficiency and stress management.
How to Apply
All applicants who wish to take up this role in the aforementioned capacity should submit their documents as a single combined PDF file including Cover letter, Curriculum vitae, academic credentials with details and contacts of three (3) referees to:
The HR, Tujijenge Financial Services. P.O. Box 1550 Jinja OR email to [email protected]. Physical delivery of hard copies to be made to our offices in Mbale on Aryada Street (Glory to God Building) behind Nkokonjeru Primary School.
Busia above Equity Bank, Soroti on Haridas Road after URA offices, Bukedea on Soroti Highway after the Mosque and Namayingo after Namayingo primary school playground.
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