JOB PURPOSE:
Reporting to the Head of Retail Credit Origination, the role holder will be responsible for developing and analyzing medium to large fundable credit proposals through effective credit appraisals and due diligence processes to achieve quality portfolio growth.

LOCATION: Gulu and Mbale respectively

KEY ACCOUNTABILITIES:
• Analyze information and data for customers and prepare credible credit proposals with the result of getting quick approval from the credit approval team and managing customer expectations.
• Propose appropriate structure and the financing need and pricing for the different credit applications and advise the relationship managers and customers accordingly to ensure that it meets set standards and complies with the credit policy.

Timely submission of required documents to credit and legal departments to have fast turnaround time, and compliance with internal controls as per credit approval criteria detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.

Make physical visits, inspect, and confirm the existence of the business for proposed credit facilities to ensure that customer business is in line with the bank’s acceptable credit risk appetite.

Review existing credit facilities on an annual basis, make necessary propositions like renewals, and restructures, to minimize arrears and avert likely NPA while ensuring customer retention, and revenue stability and identifying new business.
• Maintain annual credit review calendar and prompt relationship managers to obtain the necessary information for reviews of credit facilities.
• Review the client’s compliance to set covenants and conditions at facility approval.
• Proper pricing of credit applications and reviews ensures full collection of fees and commissions for growing the revenue line.
• Offer suggestions for policy and process improvements in line with changing business needs to enable the bank to meet customer requests in an agile manner.

Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of businesses and counter-party risks for new or increased credit facilities.

KNOWLEDGE, SKILLS, AND EXPERIENCE REQUIRED:
• A Degree in Business Studies, Management, or Economics.
• Credit Analysis and Underwriting training.
• 2 years of working experience in credit analysis in the banking industry or any related field.
• Advanced credit analysis skills – interpretation of financial information.
• Have a thorough understanding of bank products and general knowledge of current trends in the market.
• Quality underwriting skills.
• Customer service/centric skills.
• Excellent communication skills – both written and oral.
• Forecasting and business modelling.
• Computer competence.
• Good negotiation skills.
• Good interpersonal skills.
• Ability to manage time and pressure effectively to ensure no loss of efficiency.
• Good presentation 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.
• Excellent communication skills and be able to deal with clients directly.
• Ability to keep abreast of changes in the market, customer requirements, competitors’ responses, and the bank’s ability to use information to identify new business opportunities and threats.
• Ability to keep abreast of changes in the market, customer requirements and competitors’ responses.
• Ability to identify new business /products on the market, opportunities, and threats to carry out a comprehensive credit analysis.
• Good interpersonal skills – ability to quickly build rapport with new people.
• Have a thorough understanding of bank products and general knowledge of current trends in the market.