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Full-time
Manager Internal Control – Branch Credit Operations Job at Pearl Bank Uganda
Pearl Bank Uganda
Job Description
The Manager Internal Control – in charge of Credit Operations is responsible for designing, implementing, and continuously strengthening the internal control and compliance framework for all credit-related activities performed at the branch network (credit origination, appraisal, approval delegation at branch level, documentation, disbursement, monitoring, and early delinquency management). The role ensures full adherence to the Bank’s credit policy, regulatory prudential guidelines, and best-practice lending standards while minimizing credit process risks, preventing policy breaches, and protecting asset quality.
Duties, Roles and Responsibilities
- Execute the annual Branch Credit Control Assurance Plan approved by the Head – Internal Control and aligned with the Combined Assurance Framework.
- Conduct regular credit process reviews, pre-disbursement checks, post-disbursement verifications, and thematic reviews across the branch network to identify control gaps and policy deviations.
- Monitor and analyze Key Risk Indicators (KRIs), Key Control Self-Assessments (KCSAs), credit exception reports and early warning signals originating from branch credit activities.
- Perform root cause analysis on credit process failures, policy breaches, documentation deficiencies, irregular disbursements, and early delinquencies; ensure sustainable remedial actions are implemented and tracked.
- Track and validate closure of all branch credit-related findings from Internal Audit, Regulatory Examinations, External Auditors, and other assurance activities.
- Review and test adherence to approved lending authority limits, delegation of authority, and separation of duties in branch credit origination and approval processes.
- Perform regular reviews of credit files, security documentation, valuation reports, insurance, and perfection status to ensure completeness and compliance before and after disbursement.
- Coordinate with Credit Administration and Business Technology to implement and monitor automated credit controls, workflow exceptions, and straight-through-processing safeguards.
- Identify training needs and deliver (or coordinate delivery of) targeted credit policy and control training for branch credit staff and managers.
- Provide practical guidance and support to Branch Managers and Branch Business Managers on credit policy interpretation, control weaknesses, and risk mitigation.
- Lead or participate in investigations into allegations of credit fraud, collusion, policy override, or irregular lending practices at branch level.
- Conduct periodic reviews of branch credit portfolio quality indicators (PAR, Excesses, exceptions, concentration risks) and escalate material issues promptly.
- Contribute field insights and emerging risks from branch credit monitoring to the periodic review and enhancement of the Bank’s Credit Policy and procedures.
- Contribute field insights and emerging risks from branch credit monitoring to the periodic review and enhancement of the Bank’s Credit Policy and procedures.
- Prepare accurate and timely credit control dashboards, trend reports, and management updates for the Head – Internal Control and senior management.
- Manage, coach, and develop the team of Branch Credit Internal Control Supervisors to achieve high performance and readiness for succession.
Qualifications, Education and Competencies
See all details of the qualifications, competencies and education for this role under the "How to Apply" section below.
The following documents should accompany the application: Cover letter, Detailed CV, and Copies of academic documents all as one file.
Online applications addressed to Chief People & Strategy Officer, Pearl Bank Uganda.
Send application to hr@pearlbank.com with job title as subject.
Deadline: 9th January 2026
Note: Only shortlisted candidates will be contacted. Pearl Bank Uganda Ltd is an equal opportunity employer
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