Credit Manager job at Ecobank Uganda | Apply Now

Business and Financial Performance

• Take end-to-end responsibility for a portfolio of credit accounts, including ongoing monitoring, early warning signal (EWS) detection, and developing account strategies aligned with the bank's risk appetite.

• Assess, evaluate, and act as the first-level approver for credit proposals involving corporate products such as term loans, overdrafts (ODs), and trade finance.

• Conduct quarterly reviews for end-use monitoring of credit facilities.

• Ensure effective housekeeping by clearing deferrals, overdue items, and delays as per daily MIS reports shared by the Operations team.

• Review and critically assess credit submissions to ensure alignment with risk policies and compliance requirements.

• Provide clear, structured recommendations on credit acceptability covering business models, industry risks, financials, regulatory landscape, and proposed facility structures.

Client Relationship Management

• Understand client requirements thoroughly and assess product suitability in relation to their business model.

• Engage in regular client interactions to gain deeper insights into industry and operational dynamics.

• Participate in joint reviews with Relationship Managers to identify and mitigate early warning signs.

• Support the development of strong client relationships through risk-aligned decision-making.

People & Culture

• Ensure strict compliance with internal policies, procedures, and group-level regulatory frameworks.

• Stay updated on treasury products, financial market trends, and changes in the regulatory environment.

• Embody and promote the bank’s RACEIT values and Customer Experience (CX) principles.

• Adhere to agreed Service Level Agreements (SLAs) with internal departments and stakeholders.

Process, Risk & Internal Controls

• Collaborate with Credit Administration, Compliance, and Operations teams to maintain regulatory compliance in credit assessment, documentation, and monitoring.

• Support audits and respond to Bank of Uganda (BOU) or external auditor queries related to credit matters.

• Monitor and manage stressed accounts, developing strategies to mitigate exposure and reduce overall credit risk.

Strategic Initiatives (Must-Win Battles)

• Support any additional responsibilities or special projects as assigned by your Line Manager.

• Contribute to the continuous improvement of credit policies, frameworks, and risk management practices.