Credit Manager
2025-04-28T10:48:40+00:00
dfcu Bank
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https://www.dfcugroup.com/
FULL_TIME
kampala
Kampala
00256
Uganda
Banking
Commercial Banks
2025-05-02T17:00:00+00:00
Uganda
8
Reporting to the Head of Corporate Credit, the role holder will be responsible for evaluating and approving applications within Delegated approval authority, as well as recommend for approval to a higher sanctioning authority deals that are outside their discretion. To ensure profitable and well-structured proposals are booked to achieve the targeted business growth but minimize credit losses by lending within bank risk appetite and regulatory guidelines.
KEY ACCOUNTABILITIES:
- Review and sanction all proposals (new & existing) within personal discretion 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, Management Credit Committee and the Board Credit Committee in a bid to achieve 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 also determine expected profitability of loans, as well as preparing reports justifying the decision made.
- Organise the maintenance and updating of bank credit policies and procedures bi-annually in accordance with bank/ industry trends, evolving regulations and legal requirements. As well as its implementation to ensure compliance.
- Provide support in structuring proposals to minimise risk and ensure full repayment. Timely response on sanctioning of deals and excesses within agreed Service Level Agreements (SLA).
- 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 and adherence to service level agreement between sales and credit annually inorder in order to maintain service delivery in line with/ ahead of competition.
- Monitor the overall quality of the DIB/BB portfolio, through participation in governance meetings.
KNOWLEDGE, SKILLS AND EXPERIENCE 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, 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.
- Analytical and problem-solving skills.
- Good communication skills (both oral and written) to allow for effective teamwork and interact with all levels of staff.
- Computer knowledge (Microsoft desktop products) .
- Basic legal skills.
- Managerial and team building skills.
- Ability to work without supervision, driven enough to achieve set targets.
- Understating of SMEs and Corporates and the general business environment.
- Thorough understanding of dfcu credit policy, FIA and BOU guidelines on asset quality.
- Knowledge and understanding of dfcu products offering.
- Awareness current economic/market trends
Review and sanction all proposals (new & existing) within personal discretion 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, Management Credit Committee and the Board Credit Committee in a bid to achieve 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 also determine expected profitability of loans, as well as preparing reports justifying the decision made. Organise the maintenance and updating of bank credit policies and procedures bi-annually in accordance with bank/ industry trends, evolving regulations and legal requirements. As well as its implementation to ensure compliance. Provide support in structuring proposals to minimise risk and ensure full repayment. Timely response on sanctioning of deals and excesses within agreed Service Level Agreements (SLA). 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 and adherence to service level agreement between sales and credit annually inorder in order to maintain service delivery in line with/ ahead of competition. Monitor the overall quality of the DIB/BB portfolio, through participation in governance meetings.
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, 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. Analytical and problem-solving skills. Good communication skills (both oral and written) to allow for effective teamwork and interact with all levels of staff. Computer knowledge (Microsoft desktop products) . Basic legal skills. Managerial and team building skills. Ability to work without supervision, driven enough to achieve set targets. Understating of SMEs and Corporates and the general business environment. Thorough understanding of dfcu credit policy, FIA and BOU guidelines on asset quality. Knowledge and understanding of dfcu products offering. Awareness current economic/market trends
JOB-680f5d089f3cf
Vacancy title:
Credit Manager
[Type: FULL_TIME, Industry: Banking, Category: Commercial Banks]
Jobs at:
dfcu Bank
Deadline of this Job:
Friday, May 2 2025
Duty Station:
kampala | Kampala | Uganda
Summary
Date Posted: Monday, April 28 2025, Base Salary: Not Disclosed
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JOB DETAILS:
Reporting to the Head of Corporate Credit, the role holder will be responsible for evaluating and approving applications within Delegated approval authority, as well as recommend for approval to a higher sanctioning authority deals that are outside their discretion. To ensure profitable and well-structured proposals are booked to achieve the targeted business growth but minimize credit losses by lending within bank risk appetite and regulatory guidelines.
KEY ACCOUNTABILITIES:
- Review and sanction all proposals (new & existing) within personal discretion 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, Management Credit Committee and the Board Credit Committee in a bid to achieve 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 also determine expected profitability of loans, as well as preparing reports justifying the decision made.
- Organise the maintenance and updating of bank credit policies and procedures bi-annually in accordance with bank/ industry trends, evolving regulations and legal requirements. As well as its implementation to ensure compliance.
- Provide support in structuring proposals to minimise risk and ensure full repayment. Timely response on sanctioning of deals and excesses within agreed Service Level Agreements (SLA).
- 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 and adherence to service level agreement between sales and credit annually inorder in order to maintain service delivery in line with/ ahead of competition.
- Monitor the overall quality of the DIB/BB portfolio, through participation in governance meetings.
KNOWLEDGE, SKILLS AND EXPERIENCE 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, 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.
- Analytical and problem-solving skills.
- Good communication skills (both oral and written) to allow for effective teamwork and interact with all levels of staff.
- Computer knowledge (Microsoft desktop products) .
- Basic legal skills.
- Managerial and team building skills.
- Ability to work without supervision, driven enough to achieve set targets.
- Understating of SMEs and Corporates and the general business environment.
- Thorough understanding of dfcu credit policy, FIA and BOU guidelines on asset quality.
- Knowledge and understanding of dfcu products offering.
- Awareness current economic/market trends
Work Hours: 8
Experience in Months: 60
Level of Education: bachelor degree
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