Credit Analyst- United Bank For Africa

JOB TITLE: Credit Analyst
DEPARTMENT: Credit
FUNCTIONALLY REPORTS: Chief Credit Officer

JOB OBJECTIVE(S):
To emphasize and protect high credit quality while encouraging and increasing the Bank’s market share to ascertain the creation of a high-quality portfolio while maximizing returns.

DUTIES & RESPONSIBILITIES:

1. Review all credit requests emanating from Corporate and other Business Units in line with the Bank’s credit review process and recommend qualifying ones for management approval.
2. Ensure pricing of credits adequately compensates for associated risks.
3. Follow up credit requests submitted for approval and advise relevant officers of the outcome.
4. Generate credit exception reports and follow up with Business Units for regularization.
5. Escalate issues that may adversely impact the quality of the portfolio.
6. Detection and escalation of unauthorized credits and past due overdrafts.
7. Prepare weekly and monthly relevant credit reports.
8. Ensure recognition of incomes and fees from booked credits and matured payments are captured.
9. Train and provide direction to guide Business offices on promptly addressing early warning signals.

KEY PERFORMANCE INDICATORS:

• Effective supervision/management of team members to achieve the team’s goals.
• Proficiency in Microsoft programs and report writing.
• Familiarity with credit policy, procedures, and their practical applicability.
• Knowledge of regulatory and statutory requirements specifically related to credit.
• Working knowledge of the Finacle system.
• Understanding of the bank’s products and facilities and constituted credit risks.
• Understanding of Financial and Credit analysis.
• Attention to detail and confidentiality.
• Ability to demonstrate initiative.
• Willingness to learn and train others.
• Excellent interpersonal and teamwork skills.
• Good analytical skills.

JOB REQUIREMENTS:
Education: First degree in quantitative subjects (Accounting, Finance, Statistics, Economics, Business Administration, or related qualification). Post Graduate Qualification will be an added advantage.
Experience: A minimum of three (3) years Banking experience.

KEY COMPETENCY REQUIREMENTS:
Knowledge:

• Good knowledge of financial accounting with the ability to analyze and interpret corporate financial statements.
• Good knowledge of Credit analysis and risk assessment.
• Good knowledge of the Nigerian economy and market dynamics.
• Good knowledge of the bank’s policies and procedures.

Skill/Competencies:

• Good analytical skills.
• Written communication.
• Good presentation skills.
• Good interpersonal skills.
• Strong team player and excellent organization skills.
• High information/data gathering ability.
• Experience in conducting client visits and due diligence meetings.
• Strong attention to detail and ability to work under pressure.

HOW TO APPLY:
All interested staff should send their CV, application letter, and copies of academic certificates to ubaugandahr@ubagroup.com addressed to the Head of Human Capital, United Bank for Africa, Plot 2, Jinja Road, Kampala, Uganda.