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Job Title:    Credit Analyst

Organization:  DFCU
Bank

Duty Station:  Kampala,
Uganda

Reports to:  Team Leader- Personal and Business Banking 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 so as 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 prevent 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 identifying new business.

·       
Maintain
annual credit review calendar and prompt relationship managers to obtain the
necessary information for reviews of credit facilities.

·       
Review
clients’ 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
ideal candidate for the DFCU Bank Credit Analyst job should hold a Degree in
either Business Studies, Management, or Economics.

·       
Credit
Analysis and Underwriting training.

·       
Two
years of working experience in credit analysis in the 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.

·       
Ability
to manage time and pressure effectively to ensure no loss of efficiency.

·       
Good
presentation skills.

·       
Organized
and efficient i.e. goal and task oriented to complete multiple priorities and
with the dynamic demands of the different teams in relationship management,
credit sanctioning, disbursement, legal etc.

·       
Be able
to deal with clients directly.

·       
Ability
to keep abreast on changes in the market, customer requirements, competitors’
responses, and the bank’s ability to use information to identify new business
opportunities and threats.

·       
Ability
to keep abreast on changes in the market, customer requirements and
competitors’ responses.

·       
Ability
to identify new business /products on the market, opportunities, and threats in
order to carry out a comprehensive credit analysis.

·       
Good
interpersonal skills – ability to quickly build rapport with new people.

 

 How to
Apply:

All suitably
qualified and interested candidates are encouraged to send applications with detailed
CV’s including present position and copies of relevant professional/academic
certificates (University Transcript, O and A level) to the email address
indicated below; Vacanciesbank@dfcugroup.com

 

Deadline: 9^th March 2021

 

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