Careers in Banking – Credit Manager at ABC Capital

Job Title:  Credit Manager
Organisation: ABC
Capital Bank Ltd
Duty Station: Kampala,
Uganda
About ABC:
ABC Capital Bank started its
journey in 1993, as a deposit taking financial institution then trading by the
name Capital Finance Corporation Limited. Licensed and supervised by Bank of
Uganda under the Financial Institutions Act 2004, Capital Finance Corporation
Limited offered a wide range of products such as savings accounts, business
accounts, fixed deposits, business loans services and remittances through Western
Union money transfer agency. ABC Capital Bank is part of ABC Group, Kenya and
has ambitious growth plans.
Job Summary: The Credit
Manager will be responsible for the effective leadership to the department’s
staff and manage all aspects of credit appraisal & management in order to
deliver high customer satisfaction as well as maximise profitability for the
bank.
Key Duties and Responsibilities: 
  • 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. 
Key Performance Indicators:
  • 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
Qualifications, Skills and Experience: 
  • 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
How to Apply:
All qualified and interested candidates
should send at most a 2-paged cover letter, updated CV, copies of your academic
certificates and transcripts to: The Executive Director, ABC Capital Bank
Limited, P.O. Box 21091, Kampala, Uganda. 
Tel+256414245200
NB: We
appreciate all applicants for showing interest in working with us, but only
shortlisted candidates will be contacted. Please clearly indicating the
position you have applied for.
Deadline: 23rd January, 2015
For More Ugandan Jobs, Please
Visit http://www.theugandanjobline.com
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