The Ugandan Jobline

• Provide management leadership, guidance
  & strategic direction to the credit department
• Develop and implement suitable credit
  management and legal procedures
• Effectively implement the Bank’s Credit
  Policy and carry out periodic reviews
• Evaluate and assess credit risks,
  exposure risks, business risks and security risks
• 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
• Monitor credit accounts performance and
  advise management
• Identify and recommend to the management
  introduction of new products as per existing and future customers’ need

• Keenly 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
• 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
• Prepare and present Board notes to Board
  Credit Committee
• Tasked with monitoring and recovering of
  accounts in watch, NPA and written off
• Ensure to support/supervise the Credit
  Officer/CRB Manager in handling the Credit Reference Bureau (CRB) related
  activities
• Ensure compliance of Bank for all CRB
  data submissions and retrievals on file as per Customer Confidentiality
  rule
• Ensure compliance of Bank in all credit
  policies, procedures and regulatory requirements published for use from
  time to time
• Coordinate and provide technical
  assistance 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 supervisor

• Implementation of Globally acceptable
  standards of risk, control, systems and processes.
• Promotion of the positive image of the
  Bank
• Identification of competitive threats
  and market opportunities
• The formulation, development,
  preparation, implementation and delivery of credit department strategic
  plan, which is guided by the overall Bank strategy, budget and other
  business objectives.
• Maintain good relationship with the
  regulators and with the ability to contribute and where possible influence
  policy formulation.
• Coordination of all Credit activities
• Marketing and growth
• Portfolio quality and risk management
• Operational Procedures
• Staff Development

• The applicant for the ABC Capital
  Bank Credit Manager job placement must hold a University Degree from a
  recognized university
• Post Graduate qualification is an added
  advantage
• Six years of working experience in busy
  commercial banking environment
• Sound knowledge of credit products with
  minimum of four years of experience
• Strong interpersonal / written /
  communication skills
• Good knowledge of banking and financial
  market in Uganda
• Computer literacy skills
• 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.
• Ability to effectively promote the bank
  and establish business networks at high levels within the target markets
• Proficiency for evaluating market
  conditions and responding quickly, proactively and positively
• Good analytical and decision making
  skills
• Broad knowledge of banking practices and
  local banking regulations
• Knowledge of banking products
• Skills in leadership and sales
  management
• Solution selling techniques
• Strong interpersonal / written /
  communication skills
• Good knowledge of banking and financial
  market in Uganda
• Sound knowledge of credit products with
  minimum of five years of experience

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