The Ugandan Jobline

• Ensuring prudent underwriting standards
  including high levels of
  client due diligence so as to underwrite credit risk to prospective and
  existing clients that have a strong probability of success, that will
  generate cashflow, and will repay all credit facilities from business cash
  flows.
• Carry
  out independent analysis
  of the financial condition of borrowers and prospects in support of loan
  origination, loan renewal, and loan review.
• Ensuring all Credit Risk Ratings assigned to
  credit exposures are dynamic, timely and accurate in order to correctly reflect the risks associated with such
  Borrower at all times.
• The ongoing monitoring of all credits for
  inclusion on the Watch List; and a consolidated written report to the
  Board at least quarterly with updated comments and plans of action on each
  account
• Credit Risk Supervision, including the
  monitoring of Borrower performance and the Credit Risk grading of each
  loan in the portfolio (at least annually, but in accordance with the
  Credit Risk Management Policy), and the loan portfolio and where appropriate recommending corrective actions to
  ensure adherence to Credit Policy or to identify credit deterioration as
  soon as practicable.
• Ensure compliance with the Credit Risk
  Management Policy, and the Credit Procedures Manual at all times;
• Ensuring the Credit Risk department shall be the second line
  of defence in assuring policy limits are observed and prudent credit
  underwriting and credit procedure practices are followed.
• Prepare ratio analyses, peer group comparison,
  and provide commentary on the findings including abnormalities, unusual trends, one-time events, relevant
  tasks, developing problems, etc. that require further
  investigation/clarification/explanation.
• Participate in the preparation and processing
  of loan applications for the departmental/Management and Board Credit
  Committee in accordance with the department’s guidelines.
• Support the Manager in monitoring of the performance and grading of the loan
  portfolio on a monthly basis and recommend remedial actions to management
  in accordance to credit policy
• Support the Bank’s business growth objective
  through very timely credit assessment/underwriting of projects.

• The
  applicant must hold a  numerate
  degree with accounting, finance or engineering
• Possession of professional qualification like
  CFA, ACCA and CPA.
• At least five years of related experience in
  credit analysis/loan underwriting in a banking institution
• Exposure to underwriting long term credit is
  highly desirable;
• Sector specific underwriting specialization
  and/or experience (say in agriculture, manufacturing, tourism etc) will be
  an added advantage
• Excellent oral and written communication skills
• Good analytical skills
• Ability to maintain the confidentiality of
  credit and Customer information
• Exceptional planning and organizational skills
• Good interpersonal skills and team orientation

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