Credit Analyst Job Vacancies – I&M Bank Uganda

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Job Title: Credit Analyst

Organisation: I&M Bank Uganda

Duty Station:  Kampala, Uganda

Reports to:  Manager Credit Analysis

 

About US:

I&M Bank is a leading banking and insurance group in Eastern Africa with a presence in Kenya, Mauritius, Rwanda, Tanzania and Uganda. I&M Bank Uganda is a commercial bank headquartered at Kampala Road plot 6/6A with a growing regional presence.  The Bank offers a wide range of commercial banking and financial products and services, and prides itself on introducing innovative products and services based on the needs of its customers.

 

Job Summary: To provide an independent assessment of credit and business risks by ensuring detailed analysis, review and formulation of credit proposals/packages originating from the SME Business Segment in accordance with the credit policy and guidelines.

 

Key Duties and Responsibilities:

  • Preparation and submission of high-quality Credit Application documentation in accordance with the Bank’s Credit Policy/Manual.
  • Review and evaluate SME business applications for accuracy and compliance with the credit policy before presentation for relevant approvals.
  • Monitor the SME Business Segment portfolio to ensure compliance with approved terms and conditions.
  • Liaise with the SME Business Segment heads for advances appraisal, reviews, excess reports, site visits, financials and other analysis related information to support the credit applications.
  • Ensure that all credit facilities within your portfolio comply with the Credit Policy and other applicable laws and regulations and, are monitored throughout the post disbursement phase.
  • Ensure that all watch listed accounts within your portfolio that are discussed in the monthly watch meeting and action plans are recommended are followed through.
  • Ensure that accounts within your portfolio with issues outstanding beyond a period of 90 days are reported on ASTAR.
  • Ensure that accounts within your portfolio that have post approval terms including covenants, conditions, risk triggers are complied with.
  • Ensure daily monitoring of Exceptions (limit excesses and other non-compliance with approved conditions).

 




Qualifications, Skills and Experience:

  • The ideal applicant must hold a Bachelor’s degree in a relevant discipline
  • Related experience or education in accounting/finance will be added advantage.
  • At least three years banking experience with not less than 2 years in core credit operations in banking industry.
  • Demonstrate a proven ability to analyse credit proposals.
  • Understanding of business trends
  • Understanding credit risk management trends in the financial services industry
  • Ability to understand and analyse financial & cash-flow statements and make useful deductions for decision-making

 

 

How to Apply:

All suitably qualified and interested applicants should apply online at the link below.

 

Click Here

 

Deadline: 14th June 2022

 

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