The Ugandan Jobline

• 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
  model.
• 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
  base.
• 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
  sanction.
• 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
  irregularities.
• Maintain data accuracy in Credit and Bank systems.
• Participate in projects as delegated from time to time.

• 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
  requirements.
• 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.

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