Job Title: Senior Credit Manager – Development and
Institutional Banking
Organisation: Dfcu Bank
Duty Station: Kampala, Uganda
Reports to: Manager,
Credit Approval Team
Credit Approval Team
About Dfcu:
Dfcu bank is a fast growing
commercial bank offering a variety of innovative products and services. DFCU
Limited was started by the Commonwealth Development Corporation (CDC) of the
United Kingdom and the Government of Uganda through the Uganda Development
Corporation (UDC) under the name of Development Finance Company of Uganda
Limited. Later restructuring brought in DEG (of Germany) and International
Finance Corporation (IFC) as equal partners with CDC and UDC, each having a 25%
stake in the company. Its objective was to support long-term development
projects whose financing needs and risk did not appeal to the then existing
financial commercial lending institutions.
commercial bank offering a variety of innovative products and services. DFCU
Limited was started by the Commonwealth Development Corporation (CDC) of the
United Kingdom and the Government of Uganda through the Uganda Development
Corporation (UDC) under the name of Development Finance Company of Uganda
Limited. Later restructuring brought in DEG (of Germany) and International
Finance Corporation (IFC) as equal partners with CDC and UDC, each having a 25%
stake in the company. Its objective was to support long-term development
projects whose financing needs and risk did not appeal to the then existing
financial commercial lending institutions.
Job Summary: The Senior
Credit Manager – Development and Institutional Banking will be responsible for
sanctioning proposals within personal lending discretion, recommend others for
sanction by higher authority, assist the sales team in the preparation of
quality proposals and ensure that facilities are disbursed and portfolio is
maintained in line with conditions set in order to achieve the Bank targets.
Credit Manager – Development and Institutional Banking will be responsible for
sanctioning proposals within personal lending discretion, recommend others for
sanction by higher authority, assist the sales team in the preparation of
quality proposals and ensure that facilities are disbursed and portfolio is
maintained in line with conditions set in order to achieve the Bank targets.
Key Duties and Responsibilities:
- Intuitively
analyse credit data and financial statements of corporate and large
individual borrowers to determine the degree of risk involved in extending
credit or lending money. - Analyse
financial data such as income growth, quality of management and market
share to determine expected profitability of loans, and prepare a report
justifying the decision made - Regularly
review and sanction all proposals (new and existing) presented within
personal discretion (< USD 200,000) - Ensure
100% compliance within dfcu’s credit risk framework policies. 100%
compliance with Financial Institutions Act (FIA) – BOU guidelines and
regulations. - Actively
participate in maintaining and updating the Bank credit policies and
procedures as often as necessary in accordance with Bank and Industry
trends, evolving regulations and legal requirements - Actively
contribute to the achievement of annual targets that include
non-performing loans, portfolio at risk and growth of portfolio - Offer
timely support to the business units in structuring proposals to minimise
risk and ensure full repayment. Quick and timely response and feedback on
sanctioning of deals and excesses - Train
and coach the business analysts and relationship managers in respect to
credit assessments/analysis, deal structure policies and procedures - Actively
monitor the overall quality of the DIB portfolio, ensuring that scorecard
parameters are regularly reviewed and are fit for purpose - Participate
in the development of product papers
Qualifications, Skills and Experience:
- The
ideal candidate for the DFCU Bank Job should hold a Bachelor’s degree with
bias in any of the following areas: Finance, Banking, Economics, Business
Administration and a Master’s degree (or similar post graduate
qualification) in the same fields - At
least five years’ experience in a business or banking/financial services
environment with at least two years in Credit Risk Management /Sanctioning - Additional
training/professional qualification in business, investment and appraisal,
risk management, financial analysis is an added advantage - Possession
of a credit certification is required - Working
knowledge and experience in agriculture is an added advantage - Excellent
analytical and problem solving skills - Excellent
communication skills - Excellent
supervisory and interpersonal skills - Broad
awareness of business issues and current economic/market trends - Basic
legal skills - Self-driven
- A
character of high personal integrity
How to Apply:
If you have the above job
qualifications and skills, please send a cover letter along with a detailed CV
and relevant professional/ academic certificates to: Head of Human Resources,
dfcu Bank, 3rd Floor, Dfcu Towers, Kyadondo Road, P.O. Box 70, Kampala. Uganda
qualifications and skills, please send a cover letter along with a detailed CV
and relevant professional/ academic certificates to: Head of Human Resources,
dfcu Bank, 3rd Floor, Dfcu Towers, Kyadondo Road, P.O. Box 70, Kampala. Uganda
NB:
Therefore, if you do not hear from us by Friday, 20th March 2015, consider your
application unsuccessful
Therefore, if you do not hear from us by Friday, 20th March 2015, consider your
application unsuccessful
Deadline: Friday 6th March 2015
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