Head of Credit Analysis Employment Opportunity – DFCU Bank

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Job Title:      Head
of Credit Analysis

Organization: DFCU
Bank

Duty Station: Kampala,
Uganda

Reports to:
Chief Commercial Officer

About US:

DFCU Bank is a fast
growing commercial bank offering a variety of innovative products and services.
DFCU Limited was started by the Commonwealth Development Corporation (CDC) of
the United Kingdom and the Government of Uganda through the Uganda Development
Corporation (UDC) under the name of Development Finance Company of Uganda
Limited. Later restructuring brought in DEG (of Germany) and International
Finance Corporation (IFC) as equal partners with CDC and UDC, each having a 25%
stake in the company. Its objective was to support long-term development
projects whose financing needs and risk did not appeal to the then existing
financial commercial lending institutions.

Job Summary:  The Head of Credit Analysis is responsible for providing leadership
and direction to the Credit Analysis unit. The role is responsible for
originating and structuring of customer/clients applications, supporting growth
of profitable and quality portfolio, monitoring and managing portfolio quality.

Key Duties and Responsibilities: 

  • Provide leadership and guidance to the team in structuring of new
    and existing clients application/facilities
  • Review and prepare quality credit proposals/applications. Driving
    the development, analysis of proposals and liaising with credit to ensure
    that these are approved in a timely manner.
  • Provide technical support to the analysts to ensure timely delivery
    of quality proposals that meet funding criteria
  • Work closely with product development and product management teams
    to develop innovative products in line with changing customer needs
  • Regular contact with credit approval team to drive efficiency and
    time to decision
  • Periodic reviews for the running facilities for the corporate and
    Retail portfolio.
  • Scheduled client visits for existing and new potential clients
    especially for complex and structured deals
  • Monitoring of the portfolio quality to minimize loan loss and NPAs
  • Train and develop staff to constantly improve underwriting skills
    for the team
  • In liaison with Finance to provide relevant information on funders’
    requirements & legal requirements to structure deals to balance asset
    risk, maximize yield/returns based on cash flows ability.

Qualifications, Skills and Experience:

  • The applicant for the DFCU Bank Head of Credit Analysis job
    placement must hold a Bachelor’s Degree with either (Accounting,
    Economics, Statistics) discipline. A Masters in Finance accounting,
    Project Financing and or professional Finance and accounting qualification
    would be of added advantage.
  • Credit analysis and underwriting certification training
  • Leadership training
  • 8 years’ experience in credit and risk management at a senior level
    with a minimum of 2 years in a similar position
  • Good credit analysis and underwriting skills – interpretation of
    complex financial statements
  • Sufficient knowledge in Bank lending products in order to make
    meaningful recommendations to client financing needs
  • Strong analytical power and decision making abilities
  • Strong pricing and modelling experience
  • Strong communication, interpersonal and negotiation skills
  • People management and leadership skills
  • A good team player able to work under minimum supervision
  • Good presentation skills
  • Advanced forecasting and business modelling
  • Ability to build, train & maintain team cohesion
  • A self-driver who is oriented and able to meet deadlines

How to Apply:

All candidates who
so wish to join the banking sector in the aforementioned capacity are
encouraged to send their applications with detailed CVs including present
position and copies of relevant professional/academic certificates (University
Transcript, O & A level) to: Vacanciesbank@dfcugroup.com

Deadline: 17th June 2019

NB: dfcu
Bank does not solicit/accept payment in cash/kind from prospective candidates
in exchange for shortlisting or job placement. Any candidate who engages in
this kind of transaction is aiding and abetting fraud and will be automatically
disqualified.

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