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Mid-level Accounting, finance, banking, insurance jobs in Kireka, Uganda
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Profession (Mid-level)
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Industry (Accounting, finance, banking, insurance, Mid-level)
Seniority (Accounting, finance, banking, insurance)
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Housing Finance Bank (Uganda)
Banking + 2 more
Description
Key Duties and Responsibilities:
- Preliminary Credit Assessments & Pipeline Management
- The Agriculture Credit Evaluation Officer is accountable for delivery of a professional service to the business units by assessing and evaluating agricultural credit facilities (new and/or existing) based on sound credit & financial principles which supports the minimising of risk to the bank.
- The role holder assists HFB in achieving their asset growth targets by providing effective value adding risk management, whilst maintaining a quality-lending book, through judicious and effective management thereof.
- Evaluates whether agricultural and other business credit facility proposals meet sound business criteria and credit risk falls within acceptable parameters, approve/disapprove, and recommends appropriate credit facilities including terms or conditions of facilities.
- Shows decisiveness in applying product parameters, credit policies and governance standards.
- Ensures accuracy and reliability of approvals within advised Delegated Authority (DA), or referrals to higher authority, on Business credit applications reviewed.
- Adds value to the credit approval process by providing technical support and guidance to originators as appropriate to reduce reworks on agricultural financing structures and applications to a lower percentage as will be agreed.
- Reduce turnaround times for agriculture loan applications and improve customer experience through timely and quality credit assessment and decision making.
- Support the growing pipeline of large-scale commercial farming and agribusiness transactions and Strengthen portfolio quality through better identification and mitigation of agriculture-related risks.
- Manage adherence to the service level agreement that has been concluded.
- Support on monitoring visits, analyse the Agribusiness portfolio to identify adverse trends; identify and address weaknesses in a timely manner to minimize provisions and write offs. Builds relationships with Branch Managers and Relationship Managers to improve quality of agricultural business proposals and turnaround time on credit evaluations.
- Develop, plan, and conduct training sessions by designing and implementing Agriculture business training modules to enhance understanding and capacity for both staff and clients.
- Ensure completeness of documentation, reconfirming (as per agreed frequency) that appropriate verification of information and documentation has been carried out by the Credit Origination Team, credit bureau & other searches, full compliance with product parameters/lending policy guidelines/other governance requirements on all credits processed.
- Performs similar duties as s/he deems fit for the proper execution of her/his duties or duties as duly assigned by the Employer.
- Ensure that ESG aspects in Credit assessment are considered and well documented.
- Financial Responsibility:
- Achievement of risk asset budget for the agricultural credit facility portfolio.
- Growth and maintenance of high-quality risk asset portfolio for the Bank.
- Minimize credit losses.
Qualifications, Skills and Experience:
- University Degree (Honours) in Agriculture, Agricultural Economics, Finance or a related field.
- At least 3-5 years of progressive experience with an established and demonstrable track record in business banking within a commercial
- bank.
- A solid understanding of agribusiness lending practices in the informal sector.
- Strong knowledge and understanding of Laws and Regulations relating to lending in Financial Institutions.
Skills & Experience:
- Experience
- An established and demonstrable track record in the Credit Risk Management of Agriculture, SME and Corporate lending.
- Proven excellent networking competences and working
- relationship with both private and public institutions community.
- Possess excellent Credit Risk underwriting skills.
- Possess excellent interpersonal and strong communication skills
- A good background in general banking knowledge
- An understanding of the credit granting process.
- Special skills
- Agriculture Knowledge. Strong understanding of Agricultural practices, Markets and Industry trends.
- Experience in Lending and Credit analysis skills.
- Excellent communication skills.
- Strong risk management skills.
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