The Ugandan Jobline

Job Title:  Investment Analyst

Organisation: Uganda Development Bank Ltd

Duty Station: Kampala, Uganda

Reports to: Senior Manager Credit

About US:

Uganda Development Bank (UDB) is a Development Finance
Institution (DFI) focused on accelerating socio-economic development through
sustainable financial interventions in line with the country’s development
priorities.

Job Summary:  The Investment Analyst carries out credit
underwriting of applications with the view to ensure strict adherence to the
Bank’s credit risk appetite and policies and procedures. The Investment Analyst
is responsible for ensuring prudent underwriting standards including high
levels of client due diligence so as to underwrite credit risk to prospective
and existing clients that have a strong probability of success, that will
generate adequate cashflow, and will repay all credit facilities from business
cash flows. The job holder will ensure that all Credit Risk Ratings assigned to
credit exposures are dynamic, timely and accurate in order to correctly always
reflect the risks associated with such a borrower.

Key Duties and Responsibilities:  

·       
Ensuring prudent underwriting standards
including high levels of client due diligence to underwrite credit risk to
prospective and existing clients that have a strong probability of success,
that will generate cashflow, and will repay all credit facilities from business
cash flows.

·       
To Conduct independent analysis of the financial
condition of borrowers and prospects in support of loan origination, loan
renewal, and loan review.

·       
Ensuring all Credit Risk Ratings assigned to
credit exposures are dynamic, timely and accurate in order to correctly reflect
the risks associated with such a borrower

·       
The ongoing monitoring of all credits for
inclusion on the Watch List; and a consolidation into reports as required, with
updated comments and plans of action on each account

·       
Credit risk supervision, including the
monitoring of borrower performance and the Credit Risk grading of each loan in
the portfolio (at least annually, but in accordance with the Credit Risk
Management Policy), and the loan portfolio and where appropriate recommending
corrective actions to ensure adherence to Credit Policy or to identify credit
deterioration as soon as practicable.

·       
Compliance with the Credit Risk Management
Policy, and the Credit Procedures Manual at all times;

·       
Ensuring the Credit Risk department shall be the
second line of defense by ensuring policy limits are observed and prudent
credit underwriting and credit procedure practices are followed.

·       
Prepare ratio analyses, peer group comparisons,
and provide commentary on the findings including abnormalities, unusual trends,
one-time events, relevant tasks, developing problems, etc. that require further
investigation/clarification/explanation.

·       
Participate in preparation and processing of
loan applications for the departmental/Management and Board Credit Committee in
accordance with the department’s guidelines.

·       
Assist the line manager in monitoring of the
performance and grading of the loan portfolio on a monthly/ongoing basis and to
recommend relevant remedial actions in accordance with the credit policy.

·       
Support the Bank’s business growth objective
through timely credit assessment/underwriting of projects.

·       
Any such roles that may be assigned from time to
time.

Qualifications, Skills and Experience:

·       
The applicant must hold a numerate degree with
accounting, finance or engineering

·       
Possession of professional qualification like
CFA, ACCA and CPA.

·       
At least five years of related experience in
credit analysis/loan underwriting in a financial institution.

·       
Exposure to underwriting long term credit is
highly desirable;

·       
Sector specific underwriting specialization
and/or experience (say in agriculture, manufacturing, tourism etc) will be an
added advantage.

Competencies:

·       
Strong oral and written communication skills

·       
Good analytical skills

·       
Ability to maintain the confidentiality of
credit and customer information

·       
Superior Planning and Organizing skills

·       
Good interpersonal skills and team orientation

How to Apply:

All Interested candidates  should send or deliver
their applications and academic documents which shall include an up-to-date
curriculum vitae, certified copies of academic documents and contact addresses
of 3 references to the Director Strategy & Corporate Affairs, 1st Floor
Wing B, Rwenzori Towers, Plot 6 Nakasero Road.

Deadline: 12^th February 2020 at 5:00pm.

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