Field Officer (FO)
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Job summary
A Field Officer (FO) is primarily responsible for managing a portfolio of SAJIDA Micro Loan (SML), which involves marketing/surveying, group formation, loan origination, loan disbursement, weekly/biweekly/monthly instalment collection, delinquency management & administrative work. The position requires regular field visits to monitor group activities, maintain accurate records, and ensure adherence to organizational policies and rules.
Job descriptions & requirements
Base office: Branch of SAJIDA Microfinance
Reports To: Branch Manager
Employment Type: Full-time
Job summary.
A Field Officer (FO) is primarily responsible for managing a portfolio of SAJIDA Micro Loan (SML), which involves marketing/surveying, group formation, loan origination, loan disbursement, weekly/biweekly/monthly instalment collection, delinquency management & administrative work. The position requires regular field visits to monitor group activities, maintain accurate records, and ensure adherence to organizational policies and rules.
Key responsibilities
1. Group management:
• Surveying/marketing organization’s product line in potential areas to find potential clients daily.
• Organizing potential clients, giving them orientation training before forming the group.
• Forming new groups with a minimum of 10 potential clients, forming a group management committee, verifying each client to confirm their creditworthiness, and filling out an admission form to admit them to the group.
• Overseeing 3-5 groups per day, managing 15-20 groups per week with 15-25 members in each group. Recruit new clients on a daily basis.
• Conducting group meetings timely daily, updating passbooks & group resolution book, ensuring signatures, following up with overdue & ensuring group responsibility to manage overdue.
• Providing financial literacy training to the group members to train them on loan utilization, loan sharing, loan increment, new product line & holidays.
2. Loan and financial management:
- Achieving the organization’s set targets regarding Key Performance Indicators (KPIs), such as several clients, portfolio outstanding & Portfolio at Risk (PAR).
- Originating loans, filling up loan application forms, verifying the clients & guarantors, and getting approval from the Branch Manager.
- Submitting approved loan application forms to the Branch accountant at least a day before the disbursement, ensuring the exact clients get the loan, & orient the client on the loan amount, weekly installment amount, fees & charges, security amounts & necessary documentation.
- Realizing weekly loan instalments & advances from group members, recording them on the respective client’s passbook & group resolution book. Securely protecting the realized amount while transporting it to other groups & back to the office.
- Updating the exact loan installment realization via the mobile app at the group & syncing the installment into the system when back in the office.
- Depositing loan installment realization & advance realization to the accountant in time, writing the cashbook & signing on the depositor’s space for the amount deposited.
- Processing security return & security adjustment in the presence of the client, signing on the security return register for each security adjustment & security return.
- Maintain accurate loan-related forms and registers daily, avoiding corrections with white ink.
3. Administrative duties
- Mastering the organization’s mission, vision & values to practice them on a day-Today's activities. Ensuring Health, Happiness & Dignity for all.
- Complying with all manuals & policies outlined by the organization.
- Attend the office on time, sign the branch office's attendance and movement register regularly.
- Preparing and submitting daily/weekly/monthly plans for loan disbursement to the Branch Manager.
- Preserving all official documents in accordance with the data privacy policy of the organization.
- Attending meetings & trainings organized by the institution.
- Preparing, Analyzing & submitting daily/weekly/monthly performance-related reports to the supervisor.
- Joining & leading teamwork regularly to help & uplift branch performance.
- Always refrain from fraudulent activities, financial & non-financial irregularities. Attend administrative proceedings outlined by the organization once proven with fraud & misappropriation.
- Performing any other responsibility assigned by the management.
Compensation
● Salary: UGX 500,000 – 600,000
Note:
Please note that successful candidates must be willing and able to relocate from Kampala (or their current location) to any part of the country where the company has branches.
How to Apply:
All applications will be received and reviewed through the BrighterMonday Portal by clicking on the 'Apply Here' section
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