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 Credit Manager- Personal and Business Banking in our (CEO) domain to support our expansion strategy.

REPORTING TO: IT Senior Manager- Credit Approval

JOB PURPOSE: Reporting to the Senior Manager- Credit Approval, the role holder will analyze, assess, and approve PBB submissions within a Delegated Approval Authority or recommend to higher authority those outside its limit, and ensuring the credit risk accepted by the bank is of an appropriate standard and structure.

LOCATION: Kampala

KEY ACCOUNTABILITIES:

• Review and sanction all proposals (new and existing) presented within personal discretion (< USD 50,000) in adherence with dfcu’s internal credit policies, Risk Management Control Document (RMCD) and other required regulations including BoU, FIA and funders.
• Assesment and recomendation of files outside their discretion to Senior Manager Credit Approval and Head of Credit Approval and SAM in a bid to achive the bank’s disbursment targets of quality deals.
• Exercise judgment and discretion in the evaluation and approval/recommendation and decline of higher risk classification credit proposals to manage portfolio quality and income growth.
• Participate in review of the credit policy to make a robust credit policy tool.
• 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).
• Train and coach the Credit Analysts as well as Relationship Managers in credit assessment/ analysis, deal structure, policies and procedures. Conduct road shows on credit underwriting criteria for staff in the Credit value chain to uphold quality of deals booked.
• Monitor the overall quality of the PB/BB portfolio, through particpation in governace meetings.
• Responsibility for personal adherence to governance, compliance, and lending portfolio controls to ensure compliance to both internal and external regulations.
• Grow the bank’s Credit Culture and awareness both in Credit and Business.
• Review and adherence to service level agreements between PB and BB annually to ensure customer get timely feedback on applications.

QUALIFICATIONS, EXPERIENCE and COMPETENCIES REQUIRED:

• Bachelor’s degree with bias in any of the following areas: Finance, Banking, Economics, Business Administration or similar similar degreee 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 2 in Credit risk management /sanctioning.
• Thorough understanding of dfcu credit policy, FIA, and BOU guidelines on asset quality.
• 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.
• Knowledge on PB and BB clients’ behaviour.
• Awareness of business issues and current economic/market trends.