Credit Manager- Personal and Business Banking job at Dfcu Bank


DFCU Bank

Credit Manager- Personal and Business Banking job Post

Location:  Jobs in Uganda 2022 - 2023


Work Hours: Full-time, 08 hours per day

Salary: UGX

No. of vacancies: 01

Deadline: 03 February 2022

Hiring Organization: DFCU Bank

Job Details:

Grade: DF7, 1 Position
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 degree 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.

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 Thursday 3rd February 2022 to the email address indicated below;
Vacanciesbank@DFCUgroup.com
DFCU Bank is committed to give equal opportunities in employment and aims to ensure that it does not discriminate against gender or race. Only short-listed candidates will be contacted through +256 312 300391.
Disclaimer: DFCU Bank does not solicit/accept payment in cash/kind from prospective candidates in exchange for shortlisting or job placement. Any candidate who engages in this kind of transaction is aiding and abetting fraud and will be automatically disqualified.

Date Posted: 2022-01-27

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