The Ugandan Jobline

• Lead and develop a team to transfer skills
  through on job training, coaching, mentoring and ensure harmony among the
  team to improve performance.
• The incumbent will also evaluate, analyse
  where necessary and structure credit facilities within sanctioning limits
  as appropriate and within the set turnaround time to book quality deals
  priced to cover all embedded costs under the risk reward trade-off to
  achieve the Bank’s disbursement target and grow quality portfolio and
  minimize losses.
• The jobholder will implement relevant and
  approved terms and conditions as laid down in the credit agreements to
  protect the Bank’s interest and avoid litigation.
• Enforce compliance with Financial Institutions
  Act, internal credit policies, Central Bank guidelines and regulations on
  prudential lending norms
• Regularly monitor individual credits
  inclusive of Off-Balance sheet exposures to obligors as well as overall
  credit portfolio of the Bank to ascertain whether loans are being serviced
  as per facility terms, the adequacy of provisions, the overall risk
  profile is within acceptable limits and take remedial measures as and when
  any deterioration occur.
• Undertake portfolio evaluations and
  conduct comprehensive studies on the industry and environment to test the
  resilience of the loan portfolio and avoid future losses.
• Evaluate and implement appropriate
  remedial strategies such as restructuring of loan facility, enhancement in
  credit limits or reduction in interest rates to help improve obligor’s
  repayment capacity and avoid litigation. A sanitized lending cycle.
• Monitor performance of the Credit
  Department team through periodic performance reviews and ensure that staff
  are performing in accordance with expected and agreed targets as well as
  identify and address areas for improvement.
• Keenly review and maintain business
  continuity through robust succession plan for the department to enhance
  smooth flow of business operations and ensure adequate cover in the face
  of unplanned interruptions, losses or absence of staff

• The applicant for the Tropical Bank Head
  of Credit career opportunity must hold a bachelor’s Degree in the areas of
  Economics, Commerce, Statistics or Business Administration.
• Additional training/professional
  qualification in Business, Investment and project appraisal will be an
  advantage.
• A minimum of ten years’ experience in a
  Financial Institution – four of which years must be in Credit Risk at
  Management level
• Credit Certification or ACIB will be an
  added advantage.
• Leadership and Risk Analysis skills
• Significant experience in leadership and
  managing a big team.
• Be a hardworking, self-motivated,
  analytical and results orientated person with the ability to work with
  minimum supervision.
• High degree of integrity and
  confidentiality.
• Broad knowledge and understanding of
  internal credit policies and Financial Institutions Act (FIA)
• Proficiency in Computer packages and core
  banking software is a must.
• Financial Risk Analysis skills.
• Basic legal knowledge will be an
  advantage.

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