Senior Credit Analyst job at PostBank Uganda | Apply Now

Strategic/ Financial

• Originate and structure large and complex credit facilities in line with the Bank’s credit policy, with the aim of securing timely approvals, growing the asset base (portfolio), and related bank revenues including increasing interest, fee, and commission income.

• Guide and mentor credit analysts and business teams.

• Structure facilities and securities appropriately and continuously monitor credit exposures to minimize non-performing assets (NPAs).

• Advise Relationship Managers/ Business Bankers/Personal Bankers on the quality of the portfolio by analyzing the NPA ratios of their customers, portfolio at risk, and accounts in arrears.

• Review existing credit facilities on an annual basis and make necessary propositions like renewals, restructures, etc.

• Submit required documentation to Credit and Legal teams in a timely manner to ensure quick turnaround.

• Timely resolution of customer issues that require analysis on their accounts.

• Compliance with internal controls as per credit approval criteria as detailed in the Credit Policy and Operational Guidelines to avoid/minimize loss of revenue and prevention of frauds and forgeries.

• Provide guidance and recommendations to improve the quality of credit applications, enabling faster decision-making and the booking of a strong portfolio.

• Maintenance of credit files and ensuring that credit related records are properly documented.

• Perform industry studies and conduct financial analyses of key economic sectors where the bank plays and make appropriate recommendations to management.

• Evaluate and acquire a good understanding of the risks associated with individual transactions, products, and borrowers.

• Provide timely feedback to stakeholders by appropriately updating and sharing the credit tracker.

• Make client courtesy calls and visits to provide advisory services to achieve portfolio quality.

• Perform any other duties as may be assigned from time to time.