Fresher Credit Analyst Job Vacancies – DFCU Bank

Job Title:      Credit
Analyst
Organization: DFCU
Bank
Duty Station: Kampala,
Uganda
Reports to: Team
Leader – PBB Credit Analysis
About US:
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.
Job Summary:    The Credit
Analyst will be responsible for developing and analyzing medium to large
fundable credit proposals through effective credit appraisals and due diligence
process to achieve quality portfolio growth.
Key Duties and Responsibilities: 
·        
Analyze
and prepare credible credit proposals with the result of getting quick approval
from the credit approval team and manage customer expectations.
·        
Propose
appropriate structure and the financing need and pricing for the different
credit applications and advise the relationship managers and customers accordingly
to ensure that it meets set standards and complies with the credit policy.
·        
Timely
submission of required documents to credit and legal departments to have fast
turnaround time, compliance with internal controls as per credit approval
criteria detailed in the Credit Policy and Operational Guidelines to
avoid/minimize loss of revenue and prevention of frauds and forgeries.
·        
Make
physical visits, inspect and confirm the existence of the business for proposed
credit facilities to ensure that customer business is in line with the bank’s
acceptable credit risk appetite.
·        
Review
existing credit facilities on an annual basis, make necessary propositions like
renewals, restructures, to minimize arrears and avert likely NPA while ensuring
customer retention, revenue stability and identify new business.
·        
Maintain
annual credit review calendar and prompt relationship managers to obtain the
necessary information for reviews of credit facilities.
·        
Review
client’s compliance to set covenants and conditions at facility approval.
·        
Proper
pricing of credit applications and reviews to ensure full collection of fees
and commissions for growing the revenue line.



Qualifications, Skills and Experience:
·        
The
applicant for the DFCU Bank Credit Analyst job placement must hold a Bachelor’s
degree in Business Studies, Management or Economics.
·        
Credit
analysis and underwriting certification will be an added advantage.
·        
Two years
of working experience in credit analysis in banking industry or any related
field.
·        
Advanced
credit analysis skills – interpretation of financial information.
·        
Have a
thorough understanding of bank products and general knowledge on current trends
in the market.
·        
Quality
underwriting skills.
·        
Customer
service/centric skills.
·        
Excellent
communication skills – both written and oral.
·        
Forecasting
and business modelling.
·        
Computer
competence.
·        
Good
negotiation skills.
·        
Good
interpersonal skills
·        
Good
presentation and communication skills.
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 (University
Transcript, O & A level) to: Vacanciesbank@dfcugroup.com
Deadline: 19th September 2019
NB: dfcu
Bank does not solicit/accept payment in cash/kind from prospective candidates
in exchange for shortlisting or job placement. Any candidate who engages in
this kind of transaction is aiding and abetting fraud and will be automatically
disqualified.
For more of the
latest jobs, please visit http://www.theugandanjobline.com or
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