Credit Analyst Career Jobs – Stanbic Bank

Job Title:  Credit Analyst
Organisation: Stanbic
Duty Station: Kampala,
About US:
Stanbic Bank Uganda
Limited is a subsidiary of Stanbic Africa Holdings Limited which is in turn
owned by Standard Bank Group Limited (“the Group”), Africa’s leading banking
and financial services group. The Standard Bank Group is the leading banking
group focused on emerging markets. It is the largest African banking group
ranked by assets and earnings. Stanbic Bank Uganda Limited is the largest bank
in Uganda by assets and market capitalization. It offers a full range of
banking services through two business units; Personal and Business Banking (PBB),
and Corporate and Investment Banking (CIB).
Job Summary:  The Credit Analyst will manage a
portfolio of counterparty credit risks associated with lending, trading, and
investing activities, with the primary objective of assessing and managing risk
within acceptable parameters.
Key Duties and Responsibilities: 
  • Tasked with making recommendations to the Credit Head regarding
    portfolio strategies (Country and Industry trends and the strategic
    implications for managing the credit facilities of clients in those
    geographies and industries)Monitoring, questioning and understanding
    changes in credit quality in any counterparty/industry
  • Understand the Banks internal rating models and their risk drivers,
    and translate this information into a rating using the correct rating
  • Undertake quantitative and qualitative financial analysis to develop
    a comprehensive understanding of counter party risks for new or increased
    facilities.  Conduct annual risk
    reviews and monitor covenants and conditions on the existing portfolio
  • Develop a basic understanding of lending and derivative products.
  • Make recommendations and exercise judgement, sanctioning excesses
    within Delegated Authority limits.
  • Coordinate and ensure that the post-approval implementation of
    facilities and legal documentation is in accordance with the conditions of
  • Follow up and address non-adherence to terms and conditions of
    sanction by counterparties. 
    Consider the inherent risk therein and make recommendations to
    regularise or mitigate such increased risk.
  • Participate in and remain abreast of market developments.  Stay attuned to industry and market risk
    developments and trends in relation to counterparty exposures and their
    impact on the underlying portfolios.
  • Daily management, escalation and control of portfolio
  • Maintain data accuracy in Credit and Bank systems.
  • Participate in projects as delegated from time to time.

Qualifications, Skills and Experience:
  • The applicant for the Stanbic Bank Credit Analyst job must hold a business
    degree, credit knowledge
  • Three years of working experience in credit analysis, Finance or
    accounting in a busy environment.
  • Good understanding of accounting (both management and financial
    accounting) to analyse financial strengths and weaknesses of clients and
    identify potential risks to credit proposals.
  • Gain thorough working knowledge of the risk systems for monitoring
    and related procedures for analysing the account behaviour of clients and
    identifying trends and shifts in credit risk profiles.
  • Ability to understand products and facilities that give rise to
    counterparty credit risk and appropriately documenting these risks.
  • Basic understanding of vanilla lending and derivative products and
    facilities that give rise to counterparty credit risks, including the
    documentation required/presented to manage that risk.
  • Understanding of Basel and broader regulatory and compliance
  • Gain awareness of other Risk types, ie. Operational, Market and
    Country Risk.
  • Knowledge of financial markets, global economy and appropriate
    regional geographies in which portfolio operates.
  • Thorough conceptual and practical knowledge of credit procedures,
    policies and standards.
How to Apply:
All candidates who
wish to join the one of Africa’s biggest Banking Groups, Standard Bank in the
aforementioned capacity are encouraged to Apply Online by visiting Link below.
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