Job Title: Senior Manager Credit Evaluation
Organization: Housing
Finance Bank (HFB)
Finance Bank (HFB)
Duty Station: Kampala,
Uganda
Uganda
Reports to: Head of Credit
About HFB:
Housing Finance
Bank was incorporated as a private company under the Companies Act in December
1967 and it has become a household name and has grown in leaps and bounds with
a good track record among the pioneers of a mortgage lending. National Housing
& Construction Corporation, a parastatal involved in real estate business
has 5% shareholding and National Social Security Fund (NSSF) holds 50% and the
Government of Uganda holds 45%. Today, the bank looks back with pride on the
business accomplished in the mortgage lending business. Through innovation and
placing emphasis on Honesty, Integrity, Efficiency and Customer care, Housing
Finance Bank is the leader in the mortgage, holding a 90% market share.
Bank was incorporated as a private company under the Companies Act in December
1967 and it has become a household name and has grown in leaps and bounds with
a good track record among the pioneers of a mortgage lending. National Housing
& Construction Corporation, a parastatal involved in real estate business
has 5% shareholding and National Social Security Fund (NSSF) holds 50% and the
Government of Uganda holds 45%. Today, the bank looks back with pride on the
business accomplished in the mortgage lending business. Through innovation and
placing emphasis on Honesty, Integrity, Efficiency and Customer care, Housing
Finance Bank is the leader in the mortgage, holding a 90% market share.
Job Summary: The Senior
Manager Credit Evaluation will be in charge of growing and maintaining a credit
portfolio of the highest quality through the implementation of sound credit
risk management and credit underwriting process to minimize credit risk in line
with Credit regulatory frameworks.
Manager Credit Evaluation will be in charge of growing and maintaining a credit
portfolio of the highest quality through the implementation of sound credit
risk management and credit underwriting process to minimize credit risk in line
with Credit regulatory frameworks.
Key Duties and Responsibilities:
·
Regularly review, implement and enforce use of
appropriate analysis tools that capture accurate and complete state of the
borrower to keep credit exposures within set risk bearing limits in line with
credit policies and regulatory frameworks.
Regularly review, implement and enforce use of
appropriate analysis tools that capture accurate and complete state of the
borrower to keep credit exposures within set risk bearing limits in line with
credit policies and regulatory frameworks.
·
Appraise credit proposals submitted by the respective
business units to recommend, approve, reject applications in accordance with
the Credit Policy and procedures manual.
Appraise credit proposals submitted by the respective
business units to recommend, approve, reject applications in accordance with
the Credit Policy and procedures manual.
·
Advise, as appropriate, on the structuring of credit
facility terms, conditions and improvements to the documentation by the
respective business units in order to mitigate credit risk and enhance the
quality of information received by the approving authorities to make a credit
decision.
Advise, as appropriate, on the structuring of credit
facility terms, conditions and improvements to the documentation by the
respective business units in order to mitigate credit risk and enhance the
quality of information received by the approving authorities to make a credit
decision.
·
Keenly review and recommend changes to the Credit Policy
and procedures as part of the overall credit risk management framework, for approval
by the Board of Directors
Keenly review and recommend changes to the Credit Policy
and procedures as part of the overall credit risk management framework, for approval
by the Board of Directors
·
Improve the quality of credit underwriting through
subscribing to relevant information channels, receive updates regarding the
industry or sector economic trends in line with credit policies and procedures.
Improve the quality of credit underwriting through
subscribing to relevant information channels, receive updates regarding the
industry or sector economic trends in line with credit policies and procedures.
·
Conduct, monitor and enforce timely analysis of
credit applications received by the section within the Bank’s acceptable
timelines as per the agreed Service Level Agreements.
Conduct, monitor and enforce timely analysis of
credit applications received by the section within the Bank’s acceptable
timelines as per the agreed Service Level Agreements.
·
Keenly track and monitor the performance of staff under
direct supervision in accordance with the Performance Management guidelines and
‘policies.
Keenly track and monitor the performance of staff under
direct supervision in accordance with the Performance Management guidelines and
‘policies.
Qualifications, Skills and
Experience:
Experience:
·
The applicant should hold an Honours degree in
business or related field from a recognized University.
The applicant should hold an Honours degree in
business or related field from a recognized University.
·
Possession of a post graduate qualification /
Professional Course in relevant discipline would be an added advantage.
Possession of a post graduate qualification /
Professional Course in relevant discipline would be an added advantage.
·
At least seven years’ experience in credit analysis, three of which should be at a managerial level.
At least seven years’ experience in credit analysis, three of which should be at a managerial level.
·
Broad knowledge and understanding of laws and
regulations relating to lending in Financial Institutions.
Broad knowledge and understanding of laws and
regulations relating to lending in Financial Institutions.
·
Credit analysis and underwriting
Credit analysis and underwriting
·
Excellent analytical skills
Excellent analytical skills
·
Good numerical skills and ability
Good numerical skills and ability
·
Customer centricity
Customer centricity
·
Computer literacy skills
Computer literacy skills
How to Apply:
All candidates
who wish to join the Banking sector are invited to send their applications
including an updated CV, certified copies of all academic transcripts,
certificates and testimonials, daytime telephone contact, and email address of
both applicant, and three competent referees addressed to:
who wish to join the Banking sector are invited to send their applications
including an updated CV, certified copies of all academic transcripts,
certificates and testimonials, daytime telephone contact, and email address of
both applicant, and three competent referees addressed to:
Head Human
Resources, Housing Finance Bank, Plot 4 Wampewo Avenue, P. O. Box 1539,
Kampala. Uganda.
Resources, Housing Finance Bank, Plot 4 Wampewo Avenue, P. O. Box 1539,
Kampala. Uganda.
NB: Only successful candidates will be contacted. All
applicants who will not have heard from us within two weeks of closing date
should consider their application unsuccessful.
applicants who will not have heard from us within two weeks of closing date
should consider their application unsuccessful.
Deadline: 6th November, 2015
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