The Ugandan Jobline

• Provide
  management leadership, guidance & strategic direction to the credit
  department
• In
  charge of developing and implementing suitable credit management and legal
  procedure
• Effectively
  implement ABC Bank’s Credit Policy and carry out periodic reviews
• Evaluate
  and assess credit risks, exposure risks, business risks and security risks
• Intuitively
  examine credit applications and provide recommendations to the Credit
  Committee/BCC
• Ensure
  quality lending and clean loan book
• Regularly
  review credit facilities and provide management with reports
• Ensure
  that securities where applicable are correctly taken and legally
  enforceable
• Provide
  credit administrator oversight of custody of credit securities and review
  them regularly to ensure that they remain legally enforceable
• Ensure
  that disbursement of credit facilities is done within the approved
  conditions
• Promptly
  review credit facilities to avoid holding expired facilities
• Classify
  credit accounts and provide report to Management
• Grow
  business in the medium and corporate markets hence driving revenue &
  minimising loss
• Actively
  monitor credit accounts performance and advise management
• Identify
  and recommend to the management introduction of new products as per
  existing and future customers’ need
• Analyse
  the entire Bank’s credit portfolio for correct provisioning as the Central
  Bank and provide recommendations where necessary
• Oversee
  Management of the loan portfolio in order to minimise risk of loss.
• Provide
  an oversight to Ensure that the data keyed in the system on all aspects of
  Credit is correctly done to avoid income leakage and any future
  litigation.
• Ensure
  all credit provisions are correctly taken by the credit administration
  unit
• Actively
  participate effectively in all product development initiatives that
  relates to Credit
• Undertake
  field assessment exercises for customers and evaluate their businesses
  (KYC) for approval by the credit committee
• Ensure
  that credit files and all loan appraisal documentation is well maintained
  and up to date
• Drive
  credit portfolio profitability
• Ensure
  that service level agreements are in place & met by all service
  providers to the credit department
• Coordinate
  and provide technical guidance during audits, both internal and external
  and provide reports of the same
• Performance
  appraisals for staff under your authority be done on a regular basis
• Perform
  any other duties that may be assigned to you from time to time by the
  Executive Director. 

• Coordination
  of all Credit activities
• Credit
  operational reports
• Proposals
  for Credit policy and other operational changes
• Number
  of loans approved and disbursed
• Marketing
  and growth
• Number
  of new clients
• Value
  of Loans disbursed
• Percentage
  of growth in clients and portfolio
• Timely
  implementation of business growth plans
• Portfolio
  quality and risk management
• Portfolio
  at risk over 1 day
• Loan
  loss ratio
• Credit
  is done within stop loss and profit taking levels.
• Operational
  Procedures
• Compliance
  issues raised in Audits
• Staff
  Development
• Performance
  evaluation reports

• The
  ideal applicant for the ABC Capital Bank vacancy should hold a University
  Degree in a financial field from a recognized institution. Possession of a
  Post Graduate degree an added advantage
• At
  least five years of related experience
• Sound
  knowledge of credit products with minimum of four years’ experience.
• Possess
  the ability to translate the bank’s corporate strategy into a departmental
  business plan and operationally the same.
• Ability
  to provide leadership that motivates staff to maximize their productivity
  and retention.
• Ability
  to present, communicate and implement essential changes to position Credit
  Department for sustainable success in competitive markets.
• Possess
  the ability to effectively promote the bank and establish business
  networks at high levels within the target markets
• Willingness
  to take measured risks
• Proficiency
  for evaluating market conditions and responding quickly, proactively and
  positively
• Excellent
  analytical and decision making skills
• Broad
  working knowledge of banking practices and local banking regulations.
• Working
  knowledge of banking products
• Skills
  in leadership and sales management
• Solution
  selling techniques

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