Housing Finance Bank, is a Commercial Bank and the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance. To efficiently and effectively attain its strategic objectives, Housing Finance Bank is seeking to hire qualified, versatile and self-driven individuals to join an exciting opportunity to grow the bank’s incremental housing loan segment. The objective of the incremental housing loan is to provide housing financial solutions to low and middle income earners in both the formal and informal sectors of the Ugandan economy
Job Title: Credit Evaluation Supervisor – Incremental Housing Loans (1)
Department: Credit
Reports To: Manager Credit Evaluation
Grade: Principal Banking Officer
Direct Reports: None
Job Purpose:
Prepare and analyse Incremental Housing credit proposals in line with the Bank’s Credit Policies and Procedures and any other credit guidelines in place while undertaking effective credit appraisal and due diligence process in order to achieve quality portfolio growth. .

Key Result Areas
• Prepare proposals for all credit applications in line with the Bank’s Credit Policy and Procedures in a timely manner
• Review loan applications and advice on the appropriate structuring of loans applied for by eligible customers. This includes signing off required documentation to ensure that loan applications reviewed meet set standards and complies with the Bank’s Credit Policy
• Ensure proper pricing on a revenue/expense basis and ensure full collection of fees and commissions, whilst growing the revenue line
• Review and analyse customer information and advice business units on cross selling opportunities to grow the Bank’s asset and liabilities base
• Conduct compliance reviews of the documentation received and ensure completeness, validity and accuracy of support documentation/information in line with the Bank’s product parameters, Credit Policy and Procedures
• Submit and present files to the Executive Credit Committees on behalf of the branches and or business units in line with the Bank’s policies and procedures
• Any other related duties that may be assigned from time to time

Behavioral Competencies
• Should be passionately committed to management of risk and delivering quality service.
• Should have a good industry knowledge and leadership skills with demonstrated competencies in championing customer focus.
• Have excellent negotiation, coordination and organizational skills
• Ability to exercise the highest level of integrity and confidentiality
• Have excellent communication skills – both written and oral.
• Good interpersonal skills – ability to quickly build rapport with new people.

Person Specification Education & Training
• Must be a Bachelor’s Degree holder from a recognized university, preferably in Business Studies, Finance and Accounting, Management, Commerce, Economics, Microfinance and Statistics.
• 4 years working experience in microfinance lending/credit appraisal or related field.
• Advanced credit analysis skills – interpretation of financial information
• Computer competence in Microsoft Office