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Credit Managers - Corporate

DFCU Bank
Uganda

Salary rangeConfidential | Contract type: Permanent

You have 3 days left to apply for this job.

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Job Summary

The role holder will evaluate and approve corporate applications within delegated approval authority, as well as make recommendations for approval to a higher sanctioning authority for deals that are outside their discretion.
To ensure profitable and well-structured proposals for large corporates are booked to achieve the targeted business growth and minimize credit losses by lending within the bank’s risk appetite and regulatory guidelines.
Qualifications, Experience and Competencies required:
  • Bachelor’s degree with bias in any of the following areas: Finance, Banking, Economics, Business Administration and a Master’s degree or similar qualification in these fields.
  • Additional training/professional qualification in Business, Investment and project appraisal, Risk management and financial analysis.
  • Credit certification.
  • Minimum of 5 years’ experience in a business or banking/financial services environment with at least 3 in Credit risk management /sanctioning.
  • Understating of SMEs and Corporates and the general business environment.

Responsibilities

  • Review and sanction all proposals (new & existing) within personal discretion (≤ USD200,000) in adherence with dfcu’ s internal credit policies, Risk Management Control Document and other required regulations including BOU, FIA, and funders.
  • Assessment and recommendation of files outside their discretion to the higher sanctioning authority including the Head of Credit, Internal Credit Committee and the Board Risk Credit Committee in a bid to achieve the bank’s disbursement targets of quality deals.
  • Analyse current credit data, financial statements of corporate/ large individual & Business Banking borrowers to determine the degree of risk involved in extending credit; and determine expected profitability of loans, as well as preparing reports justifying the decisions made.
  • Organise the maintenance and updating of bank credit policies and procedures bi-annually in accordance with bank/ industry trends, evolving regulations, legal requirements as well as their implementation to ensure compliance.
  • Provide support in structuring proposals to minimise risk and ensure full repayment.
  • Timely responses on sanctioning of deals and excesses within agreed Service Level Agreements (SLA)
  • Train and coach the Business Analysts as well as Relationship Managers in credit assessment/ analysis, deal structure, policies and procedures.
  • Conduct road shows on credit underwriting criteria for staff in the Credit value chain to uphold quality of deals booked.
  • Responsibility for personal adherence to governance, compliance and lending portfolio controls thus ensuring own conformance to policy and procedures within the Credit Function, including proactive management of agreed responsibilities for Data Integrity.
  • Review of and adherence to service level agreement between sales and credit units annually in order to maintain service delivery in line with/ ahead of competition.
  • Monitor the overall quality of the Corporate/Business Banking portfolio, through participation in governance meetings.

Job Requirements

Required education: Bachelor's degree
Required relevant work experience: 5 years
Required languages: English (Spoken: fluent | Written: fluent)

Mandatory attachments

Please have a scan or photo of these documents ready when you start the application:

Self-prepared CV file - the employer wants to see a CV that you have prepared yourselfEducation certificate - the official certificate for your highest education
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