Job Title: Credit Underwriter – SME
Organisation: Equity Bank Uganda
Duty Station: Kampala, Uganda
Job Ref: CREDIT/11/2025/01
About Organisation:
Equity Bank Uganda Limited is one of the region’s leading banks whose purpose IS to transform the lives and livelihoods of the people of Africa socially and economically by availing them modern, inclusive financial services that maximize their opportunities. With a strong footprint in Uganda, Kenya, Tanzania, Rwanda, Southern Sudan and DR Congo, Equity Bank is now home to more than 12 million customers, the largest customer base in the Eastern African Region.
Job Summary: To evaluate counter – party credit risks associated with the Bank’s lending and investment activities to contain credit risk within acceptable parameters and ensure all lending decisions conform with the laid down policies and procedures as well as regulatory and international standards.
Key Duties and Responsibilities:
- Review and evaluation all credit proposals based on financial and non financial information, market information and in line with credit policies and procedures.
- Discuss credit proposals with Manager, Credit Risk, Credit Origination teams in order to understand them and identify risk management requirement and the possible counter measures.
- Recommended facilities for approval/decline to the Head of Credit or Executive Credit Committee with specific reasons to support decisions.
- Ensure all credit proposals are discussed and concluded within the agreed Service Level Agreement turnaround time and all post approval documentation are promptly prepared and assigned.
- Proactively drive review process of existing facilities and recommend remedial actions to senior management.
- Monitor utilization of facilities in excess of sanction limits to ensure proper authorization and approval has been followed
- Ensure minimal irregularities overdrawn/unauthorized exposure at all times.
- Enforce random review of files to ensure approval conditions and policies and procedures are adhered with.
- Daily monitoring of account excesses/expired limits reported to ensure all facilities are maintained within sanctioned limits and irregularly overdrawn accounts are promptly identified and remedied.
- Ensure all loans are appropriately approved and signed off in the accordance with the credit charter.
- Constant review of existing policies and procedures and recommend to management any policy changes in line with changing market dynamics
- Report all cases of compromise/abuse of authority and recommended corrective measures to Manager, Credit Risk.
- Review daily inward clearing exceptions report and ensure all cheques drawn on sufficient funds are marked unpaid unless request for accommodation is received and approved by the Head of Credit or Executive Credit Committee depending on approval limit
- Provide clear and timely feedback to the origination teams all credit applications within the SLA
- Enhance quality of credit evaluations to minimize delinquency (target 2 days PAR at 15%)
- Effectively and efficiency meeting the set turnaround time as per the Service Level Agreements.
- Cooperative relationships with internal contributors in the credit value chain e.g. sector heads, branches and Credit Origination teams
- Minimum audit queries of documentation, Compliance and rationale for lending decisions (compliance to P& Ps of lending).
- Customer satisfaction as a result of timely feed back within the Service Level Agreements.
Qualifications, Skills and Experience:
- Minimum qualifications of a bachelor’s degree in any business related courses.
- A professional qualification in Banking, credit management or Accounting will be an added advantage
Skills
- Display good and clear understanding of all the credit products and lending processes in the Bank.
- Thorough knowledge of Finnacle System and Excel Spreadsheet.
- Good analytical skills and keen attention to details
- Strong interpersonal skills
- Expertise in structuring facilities.
- Trade finance analysis, evaluation and structuring abilities/skills.
Experience
- 5 years’ experience in a Financial Institution with at least 1 – 2 years’ experience in credit approval & structuring, credit administration and debt recovery.
How to Apply:
If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your job application cover letter along with a detailed resume, copies of the relevant certificates and testimonials in a single PDF file format, quoting the respective Job title or Ref no. in the subject field to
Deadline: 25th November 2025
Note:
- Only shortlisted candidates will be contacted.
- Equity Bank is an equal opportunity employer. We value the diversity of individuals, ideas, perspectives, insights and values, and what they bring to the workplace.
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Level of Education: bachelor degree
Work Hours: 8
Experience in Months: 60