Job Title: Credit Analyst
Organisation: Guaranty Trust Bank Uganda
Duty Station: Kampala, Uganda
Reports to: Manager Credit Administration
About Organisation:
Guaranty Trust Bank Uganda is one of the leading banks in Africa. They acquired a 70% stake in the Fina Bank group in to enable them enter the East African market. Guaranty Trust Bank (Uganda) Limited is a member Company of Guaranty Trust Bank Holding Co. PLC (GTCO), one of the leading banks in Africa.
Job Summary: Assess the creditworthiness of borrowers, identify potential risks associated with the credit proposals, and provide an opinion and recommendations for credit committee approval.
Key Duties and Responsibilities: This shall involve;
- Adequately assess loan applications and make appropriate recommendations for credit committee approval.
- Conduct regular training sessions on credit risk management and ensure RMs and AOs have best practice underwriting skills.
- Advising the appropriate structure of credit facilities based on the customer’s business needs.
- Review and recommend, defer, or decline credit applications to ensure credit decisions align with the bank’s risk appetite and credit policy.
- Analyze credit applications and recommend risk mitigation strategies, including diversification, credit enhancements, and structured finance solutions.
- Deliver meaningful, detailed credit analysis while providing efficient, timely service to RMs and AOs.
- Identify training needs of RMs and AOs and work with the Head to recommend appropriate credit up-skilling.
- Report to the Manager Credit Administration findings that may have an adverse effect on loan collateral or a borrower’s ability to repay the loan.
- Maintain a good working knowledge of the Banks’ lending policies and procedures and identify exceptions to policy.
- Identify any documentation deficiencies and report to RMs and AO’s for timely resolution.
- Ensure quick turnaround of credit requests and update the Credit application tracker daily.
- Set appropriate interest rates and fees structures that balance risk and return for the bank.
- Analyze the clients’ financial trends and debt structures and evaluate the impact of additional credit on the financial health of the borrowers.
- Comply with AML/CFT policies and procedures.
Qualifications, Skills and Experience:
- Degree in Information Technology, Computer Science, or a related field.
- Certification in ICT Security (e.g., CISA, CISM); Cisco Certified Security Professional (CCSP) and Cisco Certified Network Administrator (CCNA) will be an added advantage.
- A minimum of 8 years’ experience, with at least five (5) at managerial level.
- Familiarity with various network and database monitoring tools.
- Proven experience in a similar role.
- Thorough understanding of networks (LAN/WAN), firewalls, and other ICT security–related vulnerabilities.
- Strong interpersonal and communication skills (both verbal and written).
How to Apply:
All interested candidates should send their application including cover letter, CV and academic documents to the Head of Human Resources, Guaranty Trust Bank Uganda by hand delivery or email to [email protected]
Deadline: 10th November 2025
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Level of Education: Bachelor Degree
Work Hours: 8
Experience in Months: 96