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 a Credit Analyst respectively in our Commercial Domain. REPORTING TO: Team Leader- Personal and Business Banking Credit Analysis JOB PURPOSE : Reporting to the Team Leader- Personal and Business Banking Credit Analysis, the role holder will be responsible for developing and analyzing medium to large fundable credit proposals through effective credit appraisals and due diligence process so as to achieve quality portfolio growth.. .
KEY ACCOUNTABILITIES: • Analyze and prepare credible credit proposals with the result of getting quick approval from the credit approval team and manage 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, compliance with internal controls as per credit approval criteria detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevent 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, restructures, to minimize arrears and avert likely NPA while ensuring customer retention, 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 clients’ compliance to set covenants and conditions at facility approval. • Proper pricing of credit applications and reviews to ensure full collection of fees and commissions for growing the revenue line.