Credit Analyst job at Guaranty Trust Bank Uganda | Apply Now

• Evaluate loan applications thoroughly and make appropriate recommendations for Credit Committee consideration.

• Advise on suitable credit structures based on customers’ business models and financing needs.

• Analyze financial statements, credit histories, and collateral to determine borrowers’ repayment capacity.

• Recommend, defer, or decline credit applications in line with the bank’s credit policy and risk parameters.

• Identify and propose risk mitigation strategies, including diversification, credit enhancements, and structured finance solutions.

• Deliver timely and detailed credit analysis reports to Relationship Managers (RMs) and Account Officers (AOs).

• Conduct regular training sessions on credit risk management to strengthen RMs’ and AOs’ underwriting skills.

• Identify skill gaps within the credit team and recommend relevant training programs.

• Report to the Manager, Credit Administration on any findings that may affect loan collateral or borrowers’ repayment ability.

• Maintain an up-to-date understanding of the Bank’s lending policies, procedures, and compliance requirements.

• Identify documentation gaps and ensure prompt resolution by RMs and AOs.

• Ensure quick turnaround of credit requests and update the credit application tracker daily.

• Propose appropriate pricing (interest rates and fees) balancing risk and return for the bank.

• Monitor clients’ financial performance and assess the impact of new or additional credit on their financial health.

• Ensure full compliance with AML/CFT policies and procedures.

Stakeholder Management

Internal:

• All departments and Board Committees

External:

• External Auditors

• Bank of Uganda (BoU)

• Regulators

• Competitors