Credit Manager Job Placement – ABC Capital Bank Ltd

Job Title:     Credit Manager
Organisation: ABC
Capital Bank Ltd
Duty Station: Kampala,
Uganda
About US:
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.
Key Duties and Responsibilities:  
Quality Service
Delivery
  • 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
Risk Management:
  • 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
Salient Information
/ Parameters of Work Environment
  • 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


Qualifications, Skills and Experience:  
  • 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
How to Apply:
Al suitably
qualified and interested candidates are encouraged to apply online at the link
below.
Deadline: 23rd May 2018
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