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Credit Evaluation Officer – Business job at Housing Finance Bank | Apply Now
Kampala, Uganda
Full Time
Are you looking for Finance jobs in Uganda 2025 today? then you might be interested in Credit Evaluation Officer – Business job at Housing Finance Bank
About the Organisation
Housing Finance Bank is a leading financial institution dedicated to providing accessible, innovative, and customer-centric housing finance solutions that empower individuals and businesses to achieve their homeownership and real estate investment goals. With a strong reputation for reliability, transparency, and excellence in mortgage and housing finance, the bank has earned recognition as a trusted partner in the financial sector.
The institution fosters a dynamic and inclusive work culture, offering employees competitive benefits, professional development programs, and a supportive environment that encourages innovation and collaboration. With diverse job opportunities in banking, finance, risk management, customer service, and administration, the bank provides flexible work arrangements that promote efficiency and work-life balance.
Established with a vision to transform the housing finance landscape, the bank has grown through strategic partnerships, financial product diversification, and a customer-first approach, continuously evolving to meet the changing needs of clients. Its innovation-driven business model integrates digital banking, data analytics, and tailored mortgage solutions to enhance accessibility, affordability, and convenience. With an extensive operational reach, Recruitment Housing Finance Bank serves customers across Uganda, offering a wide range of financial products, including home loans, construction financing, savings plans, and investment opportunities.
Rooted in core values of integrity, customer focus, excellence, and sustainability, the bank remains committed to ethical banking practices and long-term financial empowerment. Through Corporate Social Responsibility (CSR), the bank actively supports financial literacy programs, affordable housing initiatives, community development projects, and environmental sustainability efforts. For more information on services, career opportunities, and housing finance solutions.
Job Title
Credit Evaluation Officer – Business job at Housing Finance Bank
Housing Finance Bank
Job Description
Job Title: Credit Evaluation Officer – Business
Organisation: Housing Finance Bank
Duty Station: Kampala, Uganda
Reports To: Manager Credit Evaluation – Business
The Credit Evaluation Officer is accountable for delivery of a professional service to the business units, by assessing and evaluating credit facilities (new and/ or existing) based on sound credit & financial principles which supports the minimising of risk to the bank. The role holder assists HFB in achieving their asset growth targets by providing effective value adding risk management, whilst maintaining a quality-lending book, through judicious and effective management thereof.
Duties, Roles and Responsibilities
Evaluates whether Business Credit facility proposals meet sound business criteria and credit risk falls within acceptable parameters, approve/disapprove, and recommends appropriate credit facilities including terms or conditions of facilities.
Shows decisiveness in applying product parameters, credit policies and governance standards.
Ensures accuracy and reliability of approvals within advised Delegated Authority (DA), or referrals to higher authority, on Business credit applications reviewed.
Adds value to the credit approval process by guiding originators as appropriate to reduce reworks on applications to a lower percentage as will be agreed.
Ensure timely and quality credit assessment and decision are made.
Manage adherence to the service level agreement that have been concluded.
Builds relationship with Branch Managers and Relationship Managers to improve quality of business proposals and turnaround time on credit evaluations.
Actioning of the daily referral report and make decisions to pay or not based on the reason for excess and source of adjustment, the terms of sanction in existence and the risk to which the Bank is exposed.
Issuing of sanction documents, clearly stating the conditions and requirements of the lending.
Ensure completeness of documentation, reconfirming (as per agreed frequency) that appropriate verification of information and documentation has been carried out by the Credit Origination Team, credit bureau & other searches, full compliance with product parameters/lending policy guidelines/other governance requirements on all credits processed.
Performs similar duties as s/he deems fit for the proper execution of her/his duties or duties as duly assigned by the Employer.
Ensure that ESG aspects in Credit assessment are considered and well documented
Financial Responsibility:
Achievement of risk asset budget for the Business credit facility portfolio.
Growth and maintenance of high-quality risk asset portfolio for the Bank.
Minimization of credit losses.
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SERVICES
COMMERCIAL
SERVICES
INDUSTRIAL
SERVICES
RESIDENTIAL
Qualifications, Education and Competencies
A Business Degree in Risk, finance, Commerce, Business Administration, Economics, Statistics, management, or any relevant field.
Possession of a Certified banking qualification or master’s degree in a relevant field would be an added advantage.
Relevant Practical training in Credit Risk in the financial services sector
Skills & Experience
Sound Minimum of 5 years banking experience, with at least 2 years in Credit risk management, preferably in the Business credit space.
Knowledge and understanding of Project lending, Business lending, analysis techniques, credit criteria, credit policies, risk and financial analysis, credit control and application thereof.
Sound understanding of business practices and the Bank’s Business Loans products suite, credit policies and processes.
Exposure to credit scoring and automated decisioning.
Decisiveness
Business Behaviours
The ability to communicate clearly both verbally and in written form in a professional manner is deemed essential.
Ability to build functioning working relationships across organizational, corporate, and cultural boundaries.
Takes clear accountability and focuses on delivery of credit goals.
Excellence Orientation: disposed to setting and achieving high standards of excellence in all spheres of the job.
Organizational Alertness: capacity to appreciate and understand how job fits in with other jobs and overall job structure of the organization; and the importance of company policies & procedures.
Provides extraordinary service.
Must be a person of impeccable integrity
How to Apply
Interested candidates should submit their applications with a recent CV, copies of all academic transcripts, certificates and testimonials, daytime telephone contact, postal and email address and three competent referees to:
Chief Human Resources Officer
Housing Finance Bank,
Investment House
4 Wampewo Avenue, Kololo
Please take note that all applications should be sent by email to Recruitment@housingfinance.co.ug
DO NOT HAND DELIVER YOUR APPLICATION
Any form of canvassing will lead to automatic disqualification.
Guidelines for submitting Documents.
Ensure that all your documents are scanned and submitted in 1 single batch using the following order:
Application letter
Curriculum Vitae (CV)
Academic Documents and Certificates
The maximum document size is 10 MB.
Please indicate the name of the position you are applying for in the subject.
Deadline: 6th June 2025
