To manage lending risk for KCB Bank Uganda corporate, mortgage, SME and personal loans book through analysis of credit applications in accordance with the Bank’s credit policy, FIA guidelines and best practice to achieve quality growth in the asset book in line with the bank’s strategic plans.

KEY RESPONSIBILITIES:

• Quality assessment and prudent decisions on loan applications within lending    discretionary limit and/or making recommendations to higher approving authority.
• Compliance with target turnaround time and the agreed service level agreement (SLA).
• Provide leadership for the credit team reporting to the credit manager in view of establishing and maintaining a high performing and motivated team.
• Provide prompt guidance, mentoring, coaching and support on aspects of credit to all credit teams across branch network.
• To grow the good book whilst minimizing risk.
• Provide the lead technical support on development of new and reviewing existing credit products and credit appraisal tools.
• Identify training needs of credit teams in head office and across branch network through branch visits, spot checks and observations and recommend appropriate credit up-skilling.
• Assist the Head of Credit on all credit related issues delegated and act in his capacity while he is away.
• Appraise the performance of the head office credit analysts based on their Balanced Score cards.

• Verification of authenticity of relevant documents and information collated from clients and that submitted within credit files from Business

DAILY RESPONSIBILITIES:

• Sanction credit applications within my delegated lending discretionary authority for KCB Bank Uganda.
• Assess and recommend for approval credit applications above my delegated lending discretionary authority.
• Coach and mentor credit analysts.
• Monitor quality of approvals below my discretion on a sample basis
• Monitor daily work allocation to ensure equitable distribution.
• Monitor pre-approved loan applications pending with business to ensure they are sanctioned within SLA.
• Follow up on reviews (expired & expiring) with the relationship managers/branches.

Other duties

• Conduct credit training
• Participate in the 360 Degrees and customer survey feedback reviews.
• Review new/re-packaged credit product proposals.
• Ensure closure of long outstanding CQ items.
• Conduct periodic customer visits to ensure proper utilization of facilities or asses the business prior to lending.