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Fresher Credit Analyst Job Vacancies - DFCU Bank


Job Title:      Credit Analyst
Organization: DFCU Bank
Duty Station: Kampala, Uganda
Reports to: Team Leader – PBB Credit Analysis

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 Credit Analyst will be responsible for developing and analyzing medium to large fundable credit proposals through effective credit appraisals and due diligence process to achieve quality portfolio growth.

Key Duties and Responsibilities: 
·         Analyze and prepare credible credit proposals with the result of getting quick approval from the credit approval team and manage customer expectations.
·         Propose appropriate structure and the financing need and pricing for the different credit applications and advise the relationship managers and customers accordingly to ensure that it meets set standards and complies with the credit policy.
·         Timely submission of required documents to credit and legal departments to have fast turnaround time, compliance with internal controls as per credit approval criteria detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.
·         Make physical visits, inspect and confirm the existence of the business for proposed credit facilities to ensure that customer business is in line with the bank’s acceptable credit risk appetite.
·         Review existing credit facilities on an annual basis, make necessary propositions like renewals, restructures, to minimize arrears and avert likely NPA while ensuring customer retention, revenue stability and identify new business.
·         Maintain annual credit review calendar and prompt relationship managers to obtain the necessary information for reviews of credit facilities.
·         Review client’s compliance to set covenants and conditions at facility approval.
·         Proper pricing of credit applications and reviews to ensure full collection of fees and commissions for growing the revenue line.


Qualifications, Skills and Experience:
·         The applicant for the DFCU Bank Credit Analyst job placement must hold a Bachelor’s degree in Business Studies, Management or Economics.
·         Credit analysis and underwriting certification will be an added advantage.
·         Two years of working experience in credit analysis in banking industry or any related field.
·         Advanced credit analysis skills – interpretation of financial information.
·         Have a thorough understanding of bank products and general knowledge on current trends in the market.
·         Quality underwriting skills.
·         Customer service/centric skills.
·         Excellent communication skills – both written and oral.
·         Forecasting and business modelling.
·         Computer competence.
·         Good negotiation skills.
·         Good interpersonal skills
·         Good presentation and communication skills.

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: 19th September 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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