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PostBank Uganda
Banking + 2 more
Senior Credit Analyst
Closed for applications
Description
The role holder is responsible for analyzing customer data and originating, structuring,
and reviewing credit facilities for both new and existing clients. This must be done in a
timely manner and in line with the Bank’s credit policy and regulatory guidelines.
Requirements
-A Business degree in Accounting, Commerce, Business Administration, Economics,
Statistics or any relevant field.
- Relevant Practical training in Credit in the financial services sector
- A broad practical knowledge of Credit Management and Risk Management in the
financial services sector.
- Minimum of 4 years’ experience in financial services environment with at least 2 in
Credit Risk Management environment.
- Proven ability to manage a diverse loan portfolio and customer base.
- The ability to communicate clearly in both verbal and written channels.
- Take clear accountability for delivery of corporate goals.
- Strong skills in decision making
- Ability to demonstrate positive image and role model PBU’s values and leadership
behaviour.
- Must be a person of impeccable integrity
- Originate and structure large and complex credit facilities in line with the Bank’s credit
policy, with the aim of securing timely approvals, growing the asset base (portfolio), and
related bank revenues including increasing interest, fee, and commission income.
- Guide and mentor credit analysts and business teams.
- Structure facilities and securities appropriately and continuously monitor credit
exposures to minimize non-performing assets (NPAs).
- Advise Relationship Managers/ Business Bankers/Personal Bankers on the quality of the
portfolio by analyzing the NPA ratios of their customers, portfolio at risk, and accounts
in arrears.
- Review existing credit facilities on an annual basis and make necessary propositions like
renewals, restructures, etc.
- Submit required documentation to Credit and Legal teams in a timely manner to ensure
quick turnaround.
- Timely resolution of customer issues that require analysis on their accounts.
- Compliance with internal controls as per credit approval criteria as detailed in the Credit
Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of
frauds and forgeries.
- Provide guidance and recommendations to improve the quality of credit applications,
enabling faster decision-making and the booking of a strong portfolio.
- Maintenance of credit files and ensuring that credit related records are properly
documented.
- Perform industry studies and conduct financial analyses of key economic sectors where
the bank plays and make appropriate recommendations to management.
- Evaluate and acquire a good understanding of the risks associated with individual
transactions, products, and borrowers.
- Provide timely feedback to stakeholders by appropriately updating and sharing the
credit tracker.
- Make client courtesy calls and visits to provide advisory services to achieve portfolio
quality.
- Perform any other duties as may be assigned from time to time.
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