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Job Title:   Credit Analyst

Organisation: United Bank for Africa (UBA)

Duty Station:  Kampala, Uganda

Reports to: Chief Credit Officer

About US:

United Bank for Africa (UBA) is one of Africa’s leading financial institutions, with operations in twenty (20) countries and three (3) global financial centers: London, Paris and New York. UBA has evolved into a PanAfrican, provider of banking and related financial services through diverse channels globally. United Bank for Africa Uganda represents UBA’s pioneer country activities in the East and Southern African sub-region. With a growing network of branches and ATMs across the country, the bank continues to expand the retail and commercial playing field in Uganda by delivering unique financial products and solutions.

Job Summary:   The Credit Analyst will emphasize and protect high credit quality while encouraging and increasing the Bank’s market share to ascertain creation of high quality portfolio whilst maximizing returns.

Key Duties and Responsibilities:

• Review all credit requests emanating from Corporate and other Business Units in line with the Bank’s credit review process and recommend qualifying ones for management approval.
• Ensure pricing of credits adequately compensates for associated risks.
• Follow up credit requests submitted for approval and advise relevant officers of the outcome.
• Generate credit exception reports and follow up with Business Units for regularization.
• Escalate issues that may adversely impact quality of the portfolio.
• Detection and escalation of unauthorized credits and past due overdrafts.
• Prepare weekly and monthly relevant credit reports.
• Ensure recognition of incomes and fees from booked credits and matured payments are captured.
• Train and provide direction to guide Business offices on promptly addressing early warning signals.

Qualifications, Skills and Experience:

• First degree in quantitative subjects (Accounting, Finance, Statistics, Economics, Business Administration or related qualification.
• Post Graduate Qualification will be an added advantage.
• A minimum of Four (4) years Banking experience.
• Good knowledge of financial accounting with ability to analyze and interpret corporate financial statements
• Good knowledge of the Credit analysis and risk assessment
• Good knowledge of the Ugandan economy and market dynamics
• Good knowledge of the bank’s policies and procedures
• Effective supervision/management of team members to achieve team’s goals
• Proficiency in Microsoft programs and report writing.
• Familiarity with credit policy, procedures and their practical applicability.
• Knowledge of regulatory and statutory requirements specifically related to credit.
• Working knowledge of the Finacle system.
• Understanding of the bank’s products and facilities and constituted credit risks
• Understanding of Financial and Credit analysis.
• Attention to detail and confidentiality.
• Ability to demonstrate initiative.
• Willingness to learn and train others.
• Excellent interpersonal and teamwork skills.
• Good analytical skills

Skill/Competencies

• Good analytical skills
• Written communication
• Good presentation skills
• Good interpersonal skills
• Strong team player and excellent organization skills
• High information/ data gathering ability
• Experience in conducting client visits and due diligence meetings
• Strong attention to details and ability to work under pressure

How to Apply:

All interested candidates should send CV, application letter and copies of academic certificates via Email addressed to;

Head Human Capital

United Bank for Africa

Plot 2, Jinja Road

Kampala, Uganda.

Email to: ubaugandahr@ubagroup.com

Deadline: 29^th February 2024.

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