Job Title: Business Analyst
Organisation: Housing Finance Bank
Duty Station: Kampala, Uganda
About Organisation:
Housing Finance Bank, is a Commercial Bank and the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance.
Job Summary:
- Prepare proposals for BIB, taking into consideration the Bank’s credit policy, with the result of getting quick approval from Credit dept and manage customer expectations.
- Annual Credit Review requirement- Liaising with Credit Collections /RMs to obtain the necessary information for reviews of big-ticket credits.
- Appropriate deal structuring and review/sign off work done to ensure that it meets set standards and complies with credit policy.
- Ensure proper pricing on a revenue/expense basis & ensure full collection of fees and commissions, whilst growing the revenue line.
- Handle all aspects of credit application including, structuring, documentation, and risk management.
- Through analysis of the customer information & customer accounts advise the RM on any additional incomes that can be derived from the customers.
- Prepare appropriate memos for facility extension and restructure as and when required.
- Follow up on facility documentation to ensure that the approved terms and conditions are well captured prior to documents being forwarded to client.
Key Duties and Responsibilities:
- Monitor credit quality of portfolio for risk recognition & assigning proper risk rating for each relationship. Ensure quality of the portfolio is satisfactory.
- Support Relationship Managers in on-boarding new BIB relationships.
- Support the Relationship Managers in implementing account plans for all the high value relationships within the assigned portfolio.
- Directly responsible for managing BIB customers portfolio, (Number of relationships and average size of the portfolio to be agreed with the Team Leader).
- Ensure high level of satisfaction within the assigned portfolio of BIB customers.
- Follow Up the quality of portfolio to ensure that there are no direct credit losses.
- Pro-act to changes in marketplace.
- Timely resolution of customer issues that require analysis on their accounts.
- Ensure all documentation is valid and complete in assigned portfolio.
- Be highly responsive to customer needs & ensure client satisfaction in an environment where client needs are constantly changing.
- Carry out industry studies and conducts financial analyses of segment customers using credit review skills and financial expertise to support productive sales performance.
- Prepare credit memos, proposal and board papers as required from time to time.
- Perform any other duties or responsibilities consistent with the role as assigned by management.
Financial Responsibility:
- Performance on the following variables
- Support in New-to-Bank client acquisition Contribute towards lending growth within targeted segments Contribute towards liabilities growth within targeted segments Non-Interest Income (Fees and Commissions)
- Interest Income (on all business/institution-related lending disbursements): Yield and Margin
Qualifications, Skills and Experience:
- A good Bachelor’s Degree in Accounting, Finance, Commerce, Quantitative Economics, Business Administration, Statistics or a related field.
- Additional training or professional qualification in Business and project appraisal, Risk management, financial analysis will be added advantage.
Skills & Experience
- Minimum of 5 years’ experience in financial services environment with at least 2 in Credit Risk Management environment.
- Credit certification will be an added advantage
- Understand company financial statements (i.e. P&L and Balance Sheet)
- Analytical and problem-solving skills
- Awareness of business issues and current economic/market trends
- Computer knowledge especially working spread sheets, power point and word processing
- Results- oriented individual with independent and sound judgment.
- Good written, verbal and communication skills
Business Behaviours
- Self-driven and able to work efficiently under pressure.
- Results- oriented individual with independent and sound judgment.
- Good interpersonal skills, communication, and telephone skills
- Good written, verbal and communication 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 evaluation, operations, legal etc.
- Ability to keep abreast on changes in the market, customer requirements and competitors’ responses.
- Ability to identify new business /products in the market, opportunities and threats to carry out a comprehensive credit analysis.
How to Apply:
Interested candidates should submit their applications with a recent CV, copies of all academic transcripts, certificates and testimonials, daytime telephone contact, postal and email address and three competent referees to:
Chief Human Resources Officer
Housing Finance Bank,
Investment House
4 Wampewo Avenue, Kololo
Please take note that all applications should be sent by email to [email protected]
DO NOT HAND DELIVER YOUR APPLICATION
Any form of canvassing will lead to automatic disqualification.
Guidelines for submitting Documents.
- Ensure that all your documents are scanned and submitted in 1 single batch using the following order:
- Application letter
- Curriculum Vitae (CV)
- Academic Documents and Certificates
- The maximum document size is 10 MB.
- Please indicate the name of the position you are applying for in the subject.
Deadline: 12th November 2025
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Level of Education: Bachelor Degree
Work Hours: 8
Experience in Months: 60