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Senior Credit Manager – Development & Institutional Banking Job Placement – Dfcu Bank
☆ Position closed
This position closed on October 30, 2015.Applications are no longer being accepted. The listing below is kept for reference.
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Organisation: Dfcu Bank
Duty Station: Kampala,
Uganda
Uganda
Reports to: Manager Credit
Approval Team
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.
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.
Job Summary: The Senior
Credit Manager – Development & Institutional Banking will be responsible
for sanctioning proposals within personal lending discretion, recommend
proposals for sanction by higher authority and assist the sales team in the preparation
of quality proposals. The incumbent will also ensure that facilities are
disbursed and portfolio is maintained in line with conditions set in order to
achieve the Bank targets.
Credit Manager – Development & Institutional Banking will be responsible
for sanctioning proposals within personal lending discretion, recommend
proposals for sanction by higher authority and assist the sales team in the preparation
of quality proposals. The incumbent will also 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:
·
Regularly review and sanction all proposals (new and
existing) presented within personal discretion (< USD 200,000) in adherence
with dfcu’s internal credit policies, Risk Management Control Document (RMCD)
and other required regulations including BoU, FIA and funders.
Regularly review and sanction all proposals (new and
existing) presented within personal discretion (< USD 200,000) in adherence
with dfcu’s internal credit policies, Risk Management Control Document (RMCD)
and other required regulations including BoU, FIA and funders.
·
Keenly analyse current credit data and financial
statements of Corporate and large individual borrowers to determine the degree
of risk involved in extending credit or lending money as well as 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.
Keenly analyse current credit data and financial
statements of Corporate and large individual borrowers to determine the degree
of risk involved in extending credit or lending money as well as 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.
·
Ensure 100% compliance with dfcu’s internal credit
policies, Risk Management Control Document (RMCD) & Credit Policy for all
deals disbursed. 100% compliance with Financial Institutions Act (FIA) – BOU
guidelines and regulations. Act on non-compliance issues raised by M&C
according to agreed action for non-compliance e.g. ban on sanctioning requests
from branches that have exceeded overdue excess limits.
Ensure 100% compliance with dfcu’s internal credit
policies, Risk Management Control Document (RMCD) & Credit Policy for all
deals disbursed. 100% compliance with Financial Institutions Act (FIA) – BOU
guidelines and regulations. Act on non-compliance issues raised by M&C
according to agreed action for non-compliance e.g. ban on sanctioning requests
from branches that have exceeded overdue excess limits.
·
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 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.
·
Significantly contribute to the achievement of
disbursement targets as set out in the annual Bank targets.
Significantly contribute to the achievement of
disbursement targets as set out in the annual Bank targets.
·
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.
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.
·
Mentor, train and coach the Analysts and RMs in
respect to credit assessments/analysis, deal structure policies and procedures.
Mentor, train and coach the Analysts and RMs in
respect to credit assessments/analysis, deal structure policies and procedures.
·
Actively monitor the overall quality of the
Development & Institutional Banking portfolio, ensuring that scorecard
parameters are regularly reviewed and are fit for purpose as well as
participate in the development of product papers.
Actively monitor the overall quality of the
Development & Institutional Banking portfolio, ensuring that scorecard
parameters are regularly reviewed and are fit for purpose as well as
participate in the development of product papers.
Qualifications, Skills and
Experience:
Experience:
·
The applicant 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 these fields.
The applicant 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 these fields.
·
Additional training/professional qualification in
Business, Investment and project appraisal, Risk management, financial analysis
Additional training/professional qualification in
Business, Investment and project appraisal, Risk management, financial analysis
·
Additional credit certification
Additional credit certification
·
At least five years’ experience in a business or
banking/financial services environment with at least 2 in Credit risk
management /sanctioning
At least five years’ experience in a business or
banking/financial services environment with at least 2 in Credit risk
management /sanctioning
·
Broad knowledge and understanding of dfcu credit
policy, FIA and BoU guidelines on asset quality
Broad knowledge and understanding of dfcu credit
policy, FIA and BoU guidelines on asset quality
·
Excellent analytical and problem solving skills
Excellent analytical and problem solving skills
·
Good communication skills (both oral and written) to
allow for effective teamwork and interact with all levels of staff
Good communication skills (both oral and written) to
allow for effective teamwork and interact with all levels of staff
·
Computer knowledge (Microsoft desktop products)
Computer knowledge (Microsoft desktop products)
·
Awareness of business issues and current
economic/market trends
Awareness of business issues and current
economic/market trends
·
Basic legal skills
Basic legal skills
·
Good managerial and team building skills
Good managerial and team building skills
·
Ability to work without supervision, driven enough
to achieve set targets
Ability to work without supervision, driven enough
to achieve set targets
How to Apply:
All candidates
who so wish to join the banking sector in the aforementioned capacity are
encouraged to send their applications with detailed CVs including present
position and copies of relevant professional/academic certificates to:
Apply by Email
who so wish to join the banking sector in the aforementioned capacity are
encouraged to send their applications with detailed CVs including present
position and copies of relevant professional/academic certificates to:
Apply by Email
Deadline: Friday, 30th
October 2015
October 2015
NB: Therefore, if you do not hear from us by 13th
November 2015, consider your application unsuccessful
November 2015, consider your application unsuccessful
For more of the
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latest jobs, please visit http://www.theugandanjobline.com
or find us on our Facebook page https://www.facebook.com/UgandanJobline
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