The Ugandan Jobline

• Monitor
  the assessment of credit applications handled by the Assessing team to
  ensure that decisions are within policy requirements by Sampling of
  subordinate’s portfolio.
• Act
  as an escalation point for all credit applications outside the
  discretionary limits of the Loan assessing officers
• Assess
  and sanction or decline credit applications within own discretion
• Refer
  applications outside own discretion, with recommendations to the Head of Credit
  Operations Unit and Head of Retail Credit Risk.
• Communicate
  with branches on matters regarding risk assessment
• Implement
  and ensure adherence to current credit policies as may be communicated by
  the Retail Credit Risk team.
• Guarantee
  that credit application assessment process is in line with business
  Service Levels and required Turn around Time.
• Minimise
  incidence of fraud and credit losses by ensuring credit processes and
  procedures are adhered to by the Loans Processing Unit.
• Supervise
  risks within the Loans Processing unit to levels acceptable within the
  business through current risk management framework.

• Ensure
  appropriate up skilling of the Loan assessing team of by conducting
  on-the-job coaching and training
• Drive
  productivity within Loan assessing team by directing and controlling
  workflow
• Develop
  and agree individual and team performance standards and targets.
• Review
  individual and team performance against agreed objectives.
• Ensure
  team development by Identifying training needs of team members and
  recommending training plans to satisfy those needs.
• Motivate
  and build own team
• Initiate
  disciplinary process for team members where required in line with the
  Barclays Disciplinary and Grievance procedures.

• Assign
  snapchecks to team members and ensure close-out of identified issues.
• Ensure
  that all loans approved with discretionary limit meet the set product
  lending criteria before approval.
• Ensure
  that all suspicious loan applications from the loan assessing team to the
  Fraud team for further investigation.
• Monitor
  team error rates in relation to accuracy of information entered in the
  system and assessment forms and ensure that appropriate measures are put
  in place to address lapses.
• Communicate
  any changes in Retail Lending policy to team members to ensure that they
  are implemented as required.

• Share
  best practice and any red flags that are a result of the underwriting
  process.
• Technically
  support other members of the Credit Operations management team when
  required to ensure business continuity and achievement of business
  targets.

• The
  ideal candidate should have five or more years’ banking experience with at
  least 4 years’ experience in Credit Risk role
• Good
  working knowledge of the bank’s lending policies, principles and
  procedures
• Detailed
  knowledge of the Personal Sector credit risk policies, risk pricing, risk
  management procedures and tools
• Sound
  knowledge of the bank’s lending criteria in the Small Business and
  Personal sectors and the products/services relating to them
• Possess
  exhaustive knowledge and understanding of the segment specific products
  and services
• Good
  understanding of the bank’s performance management techniques
• A
  good appreciation of the bank’s products and service standards
• A
  detailed knowledge of the International Credit manual, BMIS User manual,
  Barclayloan/Personal Overdraft User manual and Guide to management of Risk
• Comprehensive
  knowledge and understanding of regulatory lending requirements and
  standards
• Any
  credit/finance/accounting/ Risk accreditation will be an added advantage
• Mentoring
  and coaching skills
• Team
  leadership skills
• Excellent
  analytical skills
• Excellent
  Interpersonal skills
• Computer
  proficiency
• Excellent
  organisation skills
• Communication
  skills
• Risk
  assessment
• Numercacy
  skills to analyse statistical financial information
• Excellent
  negotiation Skills

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