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Manager Credit Underwriting – Personal Banking job at Equity Bank Uganda | Apply Now
Are you looking for Bank jobs in Uganda 2025 today? then you might be interested in Manager Credit Underwriting – Personal Banking job at Equity Bank Uganda
About the Organisation
Equity Bank Uganda Limited, is a commercial bank in Uganda. It is licensed by the Bank of Uganda, the central bank and national banking regulator.
Equity Bank is one of the fastest growing banks in Uganda, with a large network of 50 branches, 7,000+ EquiDuukas, 1,279 POS Terminal and 50+ ATMs spread across the country. 25 of these branches are located in Central and greater Kampala, serving over 1,800,000 customers. The Bank has deployed a number of Alternate Business Channels to enhance its product and service delivery. These include: Internet Banking, Eazzy 247- a mobile banking service, Point of Sales (POS) machines as well as partnerships with major telecom companies.
The Bank has adopted the Group approach of financial inclusion by opening its doors to customers across the financial pyramid. On the back of the Group technological advances, Equity Uganda is now recognized as a key enabler to driving inclusion and innovation through strategic partnerships with telecoms, utility companies, local government, religious bodies, and third- tier financial institutions.
The partnership with the entities above has enabled Equity Bank Uganda to grow through technology adoption, faster access to finance and improved play in the growing cross-border opportunities following the recent revitalization of the East Africa Community (EAC). The Bank plays a pivotal role in facilitating trade by providing a gateway from Kenya to the quickly growing economies of Rwanda, Burundi, Democratic Republic of Congo and South Sudan. Improved performance and growth has resulted in improved customer relationships and better regulatory ratings.
Equity Bank Uganda Limited is a major contributor to Uganda’s job market as it currently employs over 2,000 members of staff. It won  the Uganda Investment Authority “Employer of the Year Award" in 2010 and is among the top Ten Banks in Uganda in terms of profitability and customer deposits as at 2015.
Uganda
Full Time
Job Title
Manager Credit Underwriting – Personal Banking job at Equity Bank Uganda
Equity Bank Uganda
Job Description
Job Opportunity: Manager Credit Underwriting – Personal Banking
Organization: Equity Bank Uganda
Location: Uganda
Job Reference: CREDIT/07/2025/02
Reports to: Head of Credit Underwriting
Application Deadline: Saturday, 26th July 2025
Role Overview
The Manager Credit Underwriting for Personal Banking will lead credit and lending activities within the personal banking segment. This role is responsible for defining risk appetite, developing and implementing risk assessments for new and existing products, pricing strategies, credit decisions, and ensuring timely loan disbursements. The role supports efficient processing and monitors disbursement progress against service level agreements (SLAs).
Duties, Roles and Responsibilities
- Review credit proposals from analysts to ensure compliance with Equity Bank’s Credit Policies, Risk Management procedures, and regulatory requirements including BOU, FIA, and funders. 
- Provide guidance on structuring credit proposals to minimize risk and ensure full repayment. Ensure timely review of proposals and limit excesses within agreed SLAs. 
- Maintain and review service level agreements between commercial and credit teams annually to sustain competitive service delivery. 
- Train and coach branch staff, Credit/Relationship Managers, and Credit analysts on credit assessment, deal structuring, policies, and procedures. Conduct roadshows on underwriting criteria to maintain loan quality. 
- Perform thorough analysis of financial statements and credit requests, including new, changed, refinancing, and annual due diligence assessments. 
- Own and maintain the Credit Risk Management framework, including credit risk policy, risk appetite statements, and key risk indicators. 
- Define credit risk portfolio management requirements and oversee monitoring, control, and forecasting activities. 
- Develop credit risk analytics and reporting to ensure the bank operates within risk appetite limits. 
- Enhance credit risk validation frameworks, policies, and procedures regularly. 
- Manage the bank’s Consumer Credit portfolio as part of portfolio oversight. 
- Contribute to the development and setup of the overall Risk function. 
- Lead and mentor credit analysts within the Credit Risk unit, oversee onboarding, and support career development. 
- Advise stakeholders on credit risk management, policies, and best practices across the bank. 
Qualifications, Education and Competencies
- Bachelor’s degree in Economics, Statistics, Accountancy, Finance, or related field. 
- Professional qualifications such as Credit Risk Management certification, CPA, or ACCA are an advantage. 
- Minimum 3 years’ experience in banking or related fields in credit, risk management, corporate lending, credit analysis, credit approval, or internal audit. 
- Strong managerial and leadership abilities. 
- Proficiency in statistical data analysis, including regression and time series analysis, with an understanding of credit risk factors. 
- Solid knowledge of quantitative credit risk modeling (PDs, LGDs, EADs) and portfolio credit metrics (limits, expected/unexpected loss, capital allocation). 
- Ability to work well under pressure and confidently engage senior management. 
- Experience with data analysis, modeling, and validation tools. 
- Proficient in Microsoft Office Suite (Excel, PowerPoint, Outlook). 
- Assertiveness, negotiation skills, creativity, and self-awareness. 
- Ability to manage multiple deadlines and work independently or as part of a team. 
How to Apply
If you meet the above criteria, please send your application documents in a single PDF file including:
- Cover letter 
- Detailed CV/resume 
- Copies of certificates and testimonials 
Email to: recruitment@equitybank.co.ug
Subject line: Manager Credit Underwriting – Personal Banking – Ref: CREDIT/07/2025/02
Deadline: Saturday, 26th July 2025
Only shortlisted candidates will be contacted.

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