Loan Officer

We’re hiring a Loan Officer at Baikal Financial Services Ltd in Kampala, Uganda.
Key Responsibilities:
Loan Origination & Appraisal:
– Identify, appraise, and recommend viable loan applications for approval.
– Conduct thorough credit assessments and verify customer, business, and collateral information.
– Ensure loan applications comply with company credit policy and risk guidelines.
– Disburse approved loans accurately and in a timely manner.
Portfolio Management:
– Manage and grow an assigned loan portfolio within approved risk limits.
– Monitor loan performance and maintain high portfolio quality.
– Identify early warning signs of default and recommend corrective action.
– Track delinquency trends to minimize Portfolio at Risk (PAR).
Field Operations:
– Conduct field visits to assess business viability and confirm loan purpose.
– Verify customer residence, business premises, and guarantor details.
– Maintain accurate and up-to-date customer records.
– Follow up on early arrears before accounts deteriorate.
Customer Relationship Management:
– Build and maintain professional relationships with customers and referral networks.
– Educate customers on loan terms, obligations, and repayment schedules.
– Resolve customer concerns professionally and promptly.
– Ensure fair, ethical, and transparent dealings with all customers.
Reporting & Compliance:
– Prepare accurate daily, weekly, and monthly loan appraisal and portfolio reports.
– Ensure compliance with credit policy, KYC, and regulatory requirements.
– Maintain proper documentation for all loan files.
Fraud Prevention:
– Identify suspicious or fraudulent loan applications.
– Verify customer information diligently during appraisal and disbursement.
– Report suspected fraud immediately and support investigations when required.
Qualifications & Requirements:
– Diploma or Bachelor’s Degree in Business Administration, Finance, — Accounting, Economics, or a related field.
– Experience in loan origination, credit analysis, banking, or microfinance is mandatory.
– Strong analytical, negotiation, and communication skills.
– Ability to work independently and achieve performance targets.
– Excellent problem-solving and customer service skills.
Valid riding permit is mandatory.
– High integrity, professionalism, and attention to detail.
How to Apply:
Interested candidates should send their CV and Cover Letter to hr@baikalfinance.ug. Please use the subject line: Application – Loan Officer.
Application Deadline: 20-07-2026