Microfinance Loan Officer Job Vacancy in Arua, Uganda – Microfinance

Job Description

Position: Microfinance Loan Officer

Company: BRAC Uganda

Location: Arua, Uganda

Experience: 2-4 years in microfinance lending or financial services

Education: Bachelor’s degree in Finance, Economics, Business Administration or related field

Employment Type: Full-time

Industry: Microfinance

Department: Lending Operations

Salary: 1,800,000 – 2,200,000 SSP per month

Vacancies:1

Company Overview

BRAC Uganda is part of the world’s largest development organization, operating in more than 30 countries with a focus on empowering the poor through innovative financial services, education, and health programs. In Uganda, BRAC has built a strong reputation for delivering inclusive microfinance solutions that enable entrepreneurs, especially women, to grow their businesses and improve household livelihoods. With a network of over 150 branches across the country, BRAC Uganda is a leading player in the microfinance sector, offering a range of savings, credit, and insurance products tailored to the needs of low‑income communities. The organization’s commitment to sustainable development, gender equity, and community empowerment makes it an attractive employer for professionals seeking meaningful impact and career growth in Uganda Jobs.

Job Overview

The Microfinance Loan Officer will join BRAC Uganda’s Lending Operations team in Arua, a vibrant commercial hub in the West Nile region. Reporting to the Branch Manager, the officer will be responsible for assessing loan applications, conducting field visits, and managing a portfolio of micro‑enterprise clients. This role is central to BRAC’s mission of fostering financial inclusion and will involve close collaboration with clients, internal risk teams, and external partners. The successful candidate will play a pivotal role in expanding BRAC’s reach, supporting small businesses, and contributing to the broader economic development of the region. For more information about BRAC Uganda’s vision and current initiatives, visit https://ugandajobssearch.com/.

Key Responsibilities

• Evaluate loan applications by conducting credit assessments, financial analysis, and field verification of client businesses.
• Maintain a healthy loan portfolio by monitoring repayment schedules, identifying early warning signs, and initiating corrective actions.
• Provide financial literacy coaching and business advisory services to borrowers to improve loan utilization and profitability.
• Build and nurture relationships with community leaders, local NGOs, and partner institutions to source new clients and enhance outreach.
• Prepare detailed loan proposals, risk ratings, and recommendation reports for senior management approval.
• Ensure compliance with BRAC’s credit policies, regulatory requirements, and internal audit standards.
• Participate in branch sales targets, contributing to the growth of microfinance products in the Arua market.

Required Skills

• Strong analytical abilities with proficiency in financial statement analysis and cash‑flow forecasting.
• Excellent communication and interpersonal skills to engage effectively with low‑literacy clients.
• Good knowledge of microfinance principles, credit risk assessment, and loan monitoring techniques.
• Ability to work independently, manage time efficiently, and meet strict deadlines.
• Proficiency in MS Office, especially Excel, and familiarity with BRAC’s loan management software.
• High level of integrity, confidentiality, and commitment to ethical lending practices.

Education

A bachelor’s degree in Finance, Economics, Business Administration, or a related discipline is required. Candidates with additional certifications in microfinance, risk management, or financial inclusion will be given preference.

Experience

Applicants should have 2‑4 years of hands‑on experience in microfinance lending, banking, or a comparable financial services environment. Experience working in rural or semi‑urban settings, especially in the West Nile region, is highly valued.

Salary

The position offers a competitive salary range of 1,800,000 – 2,200,000 SSP per month, commensurate with experience and qualifications. Performance‑based incentives and annual bonuses are part of the remuneration package.

Benefits

• Health insurance coverage for the employee and eligible dependents.
• Retirement savings scheme (NSSF) contributions.
• Paid annual leave and public holidays in accordance with Ugandan labor law.
• Transportation allowance for field visits.
• Professional development budget for certifications and workshops.

Training

• Comprehensive onboarding program covering BRAC’s policies, loan products, and compliance standards.
• Ongoing training in credit risk assessment, financial inclusion trends, and digital lending tools.
• Mentorship from senior loan officers and branch managers to accelerate career growth.

Working Environment

The role is based in the BRAC Arua branch office, a modern facility equipped with reliable internet, meeting rooms, and a collaborative workspace. Field work will involve travel within the Arua district and neighboring districts, providing exposure to diverse client environments and community settings.

Application Process

Interested candidates should submit an online application through the BRAC Careers portal, attaching a current CV and a cover letter outlining relevant experience. Applications will be reviewed on a rolling basis, and shortlisted candidates will be invited for a virtual interview followed by an in‑person assessment at the Arua branch.

Equal Opportunity Statement

BRAC Uganda is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, ethnicity, disability, or background. All qualified applicants will receive consideration for employment without discrimination.