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Senior Credit Manager Jobs – KCB Bank Uganda
Job Title: Senior Credit Manager
Organisation: KCB Bank Uganda Limited
Duty Station: Kampala, Uganda
About the Company:
KCB Bank Uganda Limited which is part of KCB Group, East Africa’s largest commercial bank that was established in 1896. Over the years, the Bank has grown and spread its wings into Tanzania, South Sudan, Uganda, Rwanda and Burundi completing the East African circuit in the year 2012. Today, the Group has the largest branch network in the region with over 238 branches, 950 ATMs and 8,000 agents offering banking services on a 24/7 basis in East Africa. KCB Bank Uganda was established in the year 2007 and has grown to become one of Uganda’s top ten commercial banks.
Job Summary: To manage lending risk for KCB Bank Uganda corporate, mortgage, SME and personal loans book through analysis of credit applications in accordance with the Bank’s credit policy, FIA guidelines and best practice to achieve quality growth in the asset book in line with the bank’s strategic.
Key Duties and Responsibilities:
- Ensure the highest standard of credit quality through the structure, sanctioning, monitoring, and control of credit applications while exercising judgment and discretion in the evaluation and approval/decline of higher risk classification credit proposals.
- Work in partnership with business leadership to support growth consistent with our strategy-aligned Risk Appetite, and in partnership with business areas.
- In coordination with business teams, work towards simplifying and streamline credit processes to improve the customer experience and reduce cost.
- Drive culture where team performs all control responsibilities in a reliable, robust, and cost competitive manner with a view to sustaining optimal portfolio quality and managing manage Impairment & losses within the agreed budget.
- Ensure that all lending activity and duties within assigned portfolio activities and duties are carried out in full compliance with internal and regulatory policies, standards, and procedures.
- Prepare, submit, and maintain portfolio level management information to facilitate monitoring activity, credit quality assurance and drive business strategy.
- Responsible for providing credit risk management support, direction, credit information, and loan policies and procedures to ensure the overall quality of the Bank’s credit extension Provide the lead technical support on development of new and reviewing existing credit products and credit appraisal tools’.
- Coaching support for credit risk and business staff through driving participation and/or facilitating ‘lessons learnt’ sessions for all stakeholders.
- Identify training needs of credit teams in head office and across branch network through branch visits, spot checks and observations and recommend appropriate credit up-skilling.
- Lead and/or actively participate in early warning forums designed to facilitate monitoring and control at an individual account level with a view to determining the seriousness of the features observed and for appropriate corrective action to be taken.
- Stand-in for as well as perform duties as delegated from time-to-time by Head of Credit
Daily Responsibilities:
- Sanction credit applications within my delegated lending discretionary authority for KCB Bank Uganda.
- Assess and recommend for approval credit applications above my delegated lending discretionary authority.
- Coach and mentor Credit Managers.
- Monitor quality of approvals below my discretion on a sample basis
- Monitor daily work allocation to ensure equitable distribution.
- Monitor pre-approved loan applications pending with business to ensure they are sanctioned within SLA.
- Follow up on reviews (expired & expiring) with the relationship managers/branches.
Other Duties:
- Conduct credit training.
- Participate in the 360 Degrees and customer survey feedback reviews.
- Review new/re-packaged credit product proposals.
- Ensure closure of long outstanding CQ items.
- Conduct periodic customer visits to ensure proper utilization of facilities or asses the business prior to lending.
- Acting as Head of Credit when the Head is away.
Qualifications, Skills and Experience:
The applicant should have relevant qualifications
How to Apply:
All suitably qualified and interested applicants should apply online at the link below.
Deadline: 5th September 2024
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