Loan Officer
Easy apply
New
Job summary
The Loan Officer is a frontline role responsible for appraising, disbursing, and monitoring individual micro asset finance loans. The Loan Officer will maintain a healthy, growing portfolio while delivering excellent client service, with a particular focus on agricultural and rural clients. This role requires sound credit judgement, strong relationship-building skills, and a genuine commitment to financial inclusion.
Min Qualification:
Bachelors
Experience Level:
Mid level
Experience Length:
3 years
Language Requirement:
English
Working Hours:
Full Time - 8 to 5
Applicant Location:
Uganda
Job descriptions & requirements
About in24 Uganda
in24(U) Ltd. is a micro asset finance company operating in Uganda, dedicated to expanding economic opportunity for small-scale entrepreneurs, farmers, and households by providing them with financial solutions to acquire essential assets. We believe that access to essential assets is a key driver of sustainable livelihoods. In24 partners with reputable last mile distributors that originate clients. In24 (U) Ltd. is a subsidiary of in24 B.V., the Netherlands.
Position Summary
The Loan Officer is a frontline role responsible for appraising, disbursing, and monitoring individual micro asset finance loans. The Loan Officer will maintain a healthy, growing portfolio while delivering excellent client service, with a particular focus on agricultural and rural clients. This role requires sound credit judgement, strong relationship-building skills, and a genuine commitment to financial inclusion.
Key Responsibilities
● Build and maintain strong, trust-based relationships with clients, ensuring a positive experience at every touchpoint.
● Carry out individual loan appraisals by means of phone interviews and other innovative means, including reference and CRB checks.
● Assess repayment capacity through analysis of farm and business income and household income and expenses; prepare accurate credit analyses in line with in24 policies and procedures.
● Present loan recommendations to the credit committee with clear, evidence-based justification.
● Disburse approved loans and ensure clients fully understand repayment schedules and obligations.
● Monitor portfolio quality proactively, including regular follow-up with clients and early intervention on at-risk accounts; Maintain portfolio at or below agreed PAR (Portfolio at Risk) targets.
● Uphold ethical standards and responsible lending practices at all times.
Qualifications & Requirements
Education
● Bachelor's degree in Finance, Business Administration, Microfinance, Agriculture, Economics, Education or a related field. A diploma with strong relevant experience will be considered.
Experience
● Minimum of 3 years of hands-on experience in individual micro lending, including loan appraisal, disbursement, monitoring, and collections.
● Demonstrated experience lending to agricultural clients, including smallholder farmers and agri-based micro-enterprises.
● Proven track record of maintaining a healthy loan portfolio with low delinquency rates.
Skills & Competencies
● Strong analytical and numeracy skills, with the ability to conduct household, business and farm cash flow analysis with attention to detail.
● Understanding of agricultural production cycles, seasonal income patterns, and related risks.
● Team player with excellent interpersonal and communication skills in English and at least two local languages.
● Proficiency in basic computer applications (MS Office, mobile data tools, MIS platforms).
● Self-motivated and able to work independently with minimal supervision.
● Persistence, resilience, and a reflective mindset: the ability to learn from setbacks and continuously improve, rather than attributing difficulties to external factors.
● Genuine curiosity about people — their lives, livelihoods, and circumstances — and the ability to build real understanding through listening and engagement.
● Integrity, reliability, and a client-first mindset.
What We Offer
● A competitive salary.
● A supportive team environment committed to professional growth and financial inclusion.
● Ongoing training in credit methodology, agricultural finance, and asset-based lending.
How to Apply
Interested candidates should submit the following documents to recruiter-ug@in24.co by October 15th:
• A cover letter (maximum 1 page) explaining your interest in the role and how your experience meets the requirements.
• A current CV (maximum 2 pages) including at least two professional references.
• Copies of relevant academic and professional certificates.
Please indicate "Loan Officer Application" in the subject line of your email. Only shortlisted candidates will be contacted. in24 is an equal opportunity employer and encourages applications from women and candidates from all backgrounds.
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