Summary
Date Posted: Thursday, June 01 2023, Base Salary: Not Disclosed

JOB DETAILS:
dfcu Bank is a fast-growing Bank in Uganda offering a wide range of financial solutions to its chosen market segments. We are seeking to recruit for the position of Senior Credit Analyst in the Commercial (CCO) Domain to support our expansion strategy.

REPORTING TO: Team Leader- Corporate Credit Analysis

JOB PURPOSE: Reporting to Team Leader- Corporate Credit Analysis, the role holder will be responsible for analyzing information and data on customers and preparing quality credit proposals for large and complex deals for both new and existing clients in the corporate banking unit in a timely manner while in line with stipulated guidelines. The role also follows up with relevant internal teams to ensure a seamless credit analysis process.

LOCATION: Kampala

Key Accountabilities:
• Prepare proposals for large and complex credit facilities that meet dfcu Bank credit approval requirements to grow the asset base (portfolio) and related bank revenues like interest income, commissions and fees.
• Structuring facilities and collaterals/security, constant monitoring of credit exposures to minimize NPAs.
• Providing guidelines and valuable suggestions for improving quality of applications for quick decisioning and booking of a quality portfolio.
• Guide and mentor credit analysts under their indirect supervision.
• Maintenance of credit files and ensuring that credit related records are properly documented.
• Perform industry studies and conducts financial analyses of segment customers using credit review skills and financial expertise to support productive sales performance credit scoring.
• Evaluate and acquire a good understanding of the risk associated with individual transactions, products, and borrowers.
• Advise RMs on the quality of the portfolio by analysing the NPA ratios of their customers, portfolio at risk, accounts in arrears.
• Make client courtesy calls and visits to provide advisory services to achieve portfolio quality.
• Timely resolution of customer issues that require analysis on their accounts.
• Review existing credit facilities on an annual basis and make necessary propositions like renewals, restructures, etc.
• Timely submission of required documents to credit and legal teams to have fast turnaround time.
• 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.

Qualifications, Experience And Competencies Required:
• A good Bachelor’s Degree in Accounting, Finance, Business Administration, Statistics, or a related field.
• Additional training or professional qualification in Business and project appraisal, Risk management, financial analysis will be added advantage.
• Minimum of 4 years’ experience in financial services environment with at least 2 in Credit Risk Management environment.
• Credit certification.
• Have an understanding of company financial statements (i.e., P&L and Balance Sheet).
• Analytical and problem-solving skills.
• Awareness of business issues and current economic/market trends.
• Computer knowledge especially working spread sheets, power point and word processor.
• Results- oriented individual with independent and sound judgment.
• Good written, verbal and communication skills.
• Self-driven and able to work efficiently under pressure.
• Results- oriented individual with independent and sound
• Good interpersonal skills, communication, and telephone skills.
• Good written, verbal and communication skills.
• Organized and efficient i.e., goal and task oriented to complete multiple priorities and with the dynamic demands of the different teams in relationship management, credit sanctioning, disbursement, legal etc.
• Ability to keep abreast on changes in the market, customer requirements and competitors’ responses.
• Ability to identify new business /products on the market, opportunities, and threats in order to carry out a comprehensive credit analysis.




Work Hours: 8

Experience in Months: 48

Level of Education: Bachelor Degree

Job application procedure
If you believe you meet the requirements as noted above, please forward your application with a detailed CV including present position and copies of relevant professional/academic certificates (University Transcript, O & A level), by close of business on Monday 12th June 2023 to the email address indicated below.
Vacanciesbank@dfcugroup.com 

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