Credit Manager, Jobs in Uganda, at ABC Capital Bank Ltd
ABC Capital Bank Ltd is a commercial bank licensed and regulated by Bank of Uganda. ABC Capital Bank is part of ABC Group, Kenya and has ambitious growth plans. Provide effective leadership to the department’s staff and manage all aspects of credit appraisal & management in order to deliver high customer satisfaction as well as maximise profitability for the bank.· Provide management leadership, guidance & strategic direction to the credit department· Develop and implement suitable credit management and legal procedures· Effectively implement the Bank’s Credit Policy and carry out periodic reviews· Evaluate and assess credit risks, exposure risks, business risks and security risks· Examine credit applications and provide recommendations to the Credit Committee/BCC· Ensure quality lending and clean loan book· Regularly review credit facilities and provide management with reports· Ensure that securities where applicable are correctly taken and legally enforceable· Provide credit administrator oversight of custody of credit securities and review them regularly toensure that they remain legally enforceable· Ensure that disbursement of credit facilities is done within the approved conditions· Promptly review credit facilities to avoid holding expired facilities· Classify credit accounts and provide report to Management· Grow business in the medium and corporate markets hence driving revenue & minimising loss· Monitor credit accounts performance and advise management· Identify and recommend to the management introduction of new products as per existing and future customers’ need· Analyse the entire Bank’s credit portfolio for correct provisioning as the Central Bank and provide recommendations where necessary· Over see Management of the loan portfolio in order to minimise risk of loss.· Provide an oversight to Ensure that the data keyed in the system on all aspects of Credit is correctly done to avoid income leakage and any future litigation.· Ensure all credit provisions are correctly taken by the credit administration unit· Participate effectively in all product development initiatives that relates to Credit· Undertake field assessment exercises for customers and evaluate their businesses (KYC) for approval by the credit committee· Ensure that credit files and all loan appraisal documentation is well maintained and up to date· Drive credit portfolio profitability· Ensure that service level agreements are in place & met by all service providers to the credit department· Coordinate and provide technical assistance during audits, both internal and external and provide reports of the same· Performance appraisals for staff under your authority be done on a regular basis· Perform any other duties that may be assigned to you from time to time by the Executive Director3. SALIENT INFORMATION / PARAMETERS OF WORK ENVIRONMENT:· Implementation of Globally acceptable standards of risk, control, systems and processes.· Promotion of the positive image of the Bank.· Identification of competitive threats and market opportunities· The formulation, development, preparation, implementation and delivery of credit department strategic plan, which is guided by the overall Bank strategy, budget and other business objectives.· Maintain good relationship with the regulators and with the ability to contribute and where possible influence policy formulation.· Responsible for recruiting, training and career development for staff in Credit Department.Key Result Area Measurement Dimensions (KPIs)· Coordination of all Credit activities· Proposals for Credit policy and other operational changes· Number of loans approved and disbursed· % growth in clients and portfolio· Timely implementation of business growth plans· Portfolio quality and risk management· Portfolio at risk over 1 day· Credit is done within stop loss and profit taking levels.· Operational Procedures · # Compliance issues raised in Audits· Staff Development · Performance evaluation reports5. KEY RELATIONSHIPS (INTERNAL AND EXTERNAL):INTERNAL: All Departmental managers, the Board of DirectorsEXTERNAL: Credit Managers of other Banks, Statutory Auditors, Central Bank of Uganda, InstitutionalInvestors, Customers, Prospective Clients, Suppliers and Service providers· Ability to translate the bank’s corporate strategy into a departmental business plan and· Ability to provide leadership that motivates staff to maximize their productivity and retention.· Ability to present, communicate and implement essential changes to position Credit Department for sustainable success in competitive markets.· Ability to effectively promote the bank and establish business networks at high levels within the target markets· Willingness to take measured risks· Proficiency for evaluating market conditions and responding quickly, proactively and positively· Good analytical and decision making skills· Broad knowledge of banking practices and local banking regulations.· Knowledge of banking products· Skills in leadership and sales management7. QUALIFICATIONS AND EXPERIENCE· University Degree in a financial field from a recognized institution.· Post Graduate degree an added advantage7.2. EXPERIENCE (in order to perform adequately in the job)· A Sound knowledge of credit products with minimum of 4 years’ experience.If your qualifications and experience match those described above please send a detailed application together with your CV, copies of your academic certificates and transcripts and a cover letter of not more than 2 pages to The Executive Director,E-mail to: hr@abccapitalbank.co.ug
0 comments:
Post a Comment