Job vacancy 2 Senior Credit Analysts

JOB BY
Great Uganda Jobs
Ntinda, Kampala, Uganda, Kampala
  +256753298980, +256773966860

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WORK AT
DFCU Bank
Job Type
Employee
Job Status
Full Time
Announced
04 March, 2021
Job Title

2 Senior Credit Analysts

Job Location
Job Presentation
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 Senior Credit Analysts in our Commercial Domain.
REPORTING TO: Team Leader- Corporate Credit Analysis
JOB PURPOSE: Reporting to the Team Leader- Corporate Credit Analysis, the role holder will be responsible for analyzing information and data on customers and originating and structuring corporate deals for both new and existing clients in the Corporate banking unit in a timely manner and in line with stipulated guidelines. .

KEY ACCOUNTABILITIES:
• Originate proposals for large and complex credit facilities, taking into consideration the Bank’s credit policy, with the result of getting quick approval with the aim of growing the bank’s asset base (portfolio), and related bank revenues like interest income, commissions and fees.
• Structuring facilities and collaterals/security, constant monitoring of credit exposures to minimize NPAs.
• Providing guidelines and valuable suggestions for improving quality of applications for quick decisioning and booking of a quality portfolio.
• Guide and mentor credit analysts under their indirect supervision.
• Maintenance of credit files and ensuring that credit related records are properly documented.
• Perform industry studies and conducts financial analyses of segment customers using credit review skills and financial expertise to support productive sales performance credit scoring.
• Evaluate and acquire a good understanding of the risk associated with individual transactions, products, and borrowers.
• Advise Relationship Managers on the quality of the portfolio by analysing the NPA ratios of their customers, portfolio at risk, accounts in arrears.
• Make client courtesy calls and visits to provide advisory services to achieve portfolio quality.
• Timely resolution of customer issues that require analysis on their accounts.
• Review existing credit facilities on an annual basis and make necessary propositions like renewals, restructures, etc.
• Timely submission of required documents to credit and legal teams to have fast turnaround time.
• Compliance to internal controls as per credit approval criteria as detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.

QUALIFICATIONS, EXPERIENCE AND COMPETENCIES REQUIRED:
• A good Bachelor’s Degree in Accounting, Finance, Business Administration, Statistics, or a related field.
• Additional training or professional qualification in Business and project appraisal, Risk management, financial analysis will be added advantage.
• Minimum of 4 years experience in financial services environment with at least 2 in Credit Risk Management environment.
• Credit certification.
• Have an understanding of company financial statements (i.e. P&L and Balance Sheet).
• Analytical and problem solving skills.
• Awareness of business issues and current economic/market trends.
• Computer knowledge especially working spread sheets, power point and word processor.
• Results- oriented individual with independent and sound
• Good written, verbal and communication skills.
• Self-driven and able to work efficiently under pressure.
• Good interpersonal, communication, and telephone skills.
• Good written, verbal 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.
• Ability to keep abreast on changes in the market, customer requirements and competitors’ responses.
• Ability to identify new business /products on the market, opportunities, and threats in order to carry out a comprehensive credit analysis.

Job Education Requirements: Bachelor’s degree

Job Experience Requirements: 4 years


Work Hours: 8
Valid Till
9 Mar, 2021


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