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Job Title:  Credit Manager

Organisation: Ecobank Uganda Limited

Duty Station:  Kampala, Uganda

About US:

Ecobank Uganda Limited is the leading commercial bank offering wholesale, retail, transaction banking services and products to individuals, governments, financial institutions, multinationals, international organizations, medium and small enterprises.

Key Duties and Responsibilities:

• Assist the Head of Credit driving the bank’s credit agenda by overseeing and manage:
• Risks inherited within in the credit origination process by overseeing the credit analysis done by the analysts
• Monitoring of existing credit portfolio and loan documentation process. Assist in the management of Documentation and Disbursement; by ensuring credit compliance with local and legal regulatory requirement and the Group Credit Policy Manual.
• Monitor Loan exposure and enforce compliance with covenants
• CRB Project Manager for the Bank.
• Monitor Projects financed by the bank together with marketing departments and report to the Head Credit.
• To protect the financial strength and the reputation of the bank.
• Preparing Monthly credit Reports
• Analyse credit proposals by observing policies, procedures and regulatory requirements and provide recommendations to relevant approving authorities/committees.
• Ensure all the approval conditions are well captured in respective facility letters and are legally enforceable.
• Support the business teams in their dealings and ensure quality bookings and growth of credit book.
• Ensure credit portfolio remains of good quality with balanced concentration and diversification always.
• The CRB Project Manager must generate periodic management reports for discussions at senior management meetings as a key agenda, with specific focus on the quality of data including the data success rate, rejected records, and the reasons thereof.
• Provide leadership and support to the branch enrolling customers on CRB.
• Ensure best TAT in loan processing to meet customer’s expectations.
• Participate in target market strategy and its preparation, PPs and other credit related products.
• Support Head of Credit, Act as secretary to bank credit committees, and BCC.
• Assist in ensuring that the bank achieves an audit rating of acceptable or better in all credit reviews.
• Monitoring of existing credit portfolio by preventing potential risk accounts from rolling into delinquent buckets and prevent overdues.
• Extracting, analyzing and interpreting the information from daily reports and providing appropriate recommendations/escalation to the management as appropriate.
• Ensure good quality of credit management services (approvals, disbursements, reports and remedial management) in supporting business goals.
• Report all risk and loss events as a result of errors or fraud to the line manager and /or relevant parties to manage mitigate possible losses.
• Work with Business Units to ensure portfolio quality remains within group target and regulatory NPL ratio of 5%.
• Minimization of exposures and impacts of credit risks, managing troubled exposures to ensure good loan recovery.
• Assist the Head of Credit to ensure that provisioning policies are in line with the Bank’s Credit Policy Document, comply with Banking Act provisions and co-ordinate with Finance Division to ensure appropriate provisions and interest suspensions for the credit book are effected in the Bank’s accounting systems.
• Perform any other duties as directed by the Management/supervisor and not limited to the following
• Ensure the bank achieves an audit rating of acceptable or better level in all credit reviews and participating in closure of open audit queries.
• Provide appropriate inputs to develop the bank’s Target Market.
• Ensure the credit risk strategy is in place and up to date always.
• Assist Head of Credit identifying skills gaps and training needs for credit analysts and RMs/Ros.

Qualifications, Skills and Experience:

• University degree in business related field or its equivalent
• At least three years’ experience in credit analysis and risk management
• Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact business performance.
• Technical skills to effectively perform or guide performance of Credit Risk Management activities/tasks in a manner that consistently produce high quality of service.
• Good communication skills
• In-depth knowledge of lending products and best practices
• Knowledge and experience in modern Credit Risk Management practices in Financial Services industry to provide visionary guidance on improvements and changes.
• Knowledge and effective application of all relevant banking policies, processes, procedures and guidance to consistently achieve required compliance standards or benchmarks
• Self-motivated to enable implementation of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.

How to Apply:

All suitably qualified and interested candidates are encouraged to apply online at the link below.

Click Here

Deadline: 2nd May 2024

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