Credit Analyst

Orient Bank

Orient Bank is a commercial bank in Uganda which is licensed by the Bank of Uganda, the central bank and national banking regulator.

Sector
Banking
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Vacancy title: Credit Analyst

Deadline of this Job:22 October 2021  

JOB DETAILS:
REPORTS TO: MANAGER CREDIT ANALYSIS

JOB SUMMARY
To provide an independent assessment of credit and business risks by ensuring detailed analysis, review, and formulation of credit proposals/packages originating from the SME Business Segment in accordance with the credit policy and guidelines.

MAJOR DUTIES & RESPONSIBILITIES

  • Preparation and submission of high-quality Credit Application documentation in accordance with the Bank’s Credit Policy/Manual.
  • Review and evaluate SME business applications for accuracy and compliance with the credit policy before presentation for relevant approvals.
  • Monitor the SME Business Segment portfolio to ensure compliance with approved terms and conditions.
  • Liaise with the SME Business Segment heads for advances appraisal, reviews, excess reports, site visits, financials, and other analysis related information to support the credit applications.
  • Ensure that all credit facilities within your portfolio comply with the Credit Policy and other applicable laws and regulations and, are monitored throughout the post disbursement phase.
  • Ensure that all watch listed accounts within your portfolio that are discussed in the monthly watch meeting and action plans are recommended are followed through.
  • Ensure that accounts within your portfolio with issues outstanding beyond a period of 90 days are reported on ASTAR.
  • Ensure that accounts within your portfolio that have post approval terms including covenants, conditions, risk triggers are complied with.
  • Ensure daily monitoring of Exceptions (limit excesses and other non-compliance with approved conditions).

MINIMUM EDUCATION QUALIFICATION

  • Bachelor’s degree in a relevant discipline
  • Related experience or education in accounting/finance will be added advantage.

WORK EXPERIENCE
Minimum of 3 years banking experience with not less than 2 years in core credit operations in banking industry.

KEY REQUIRED COMPETENCIES & SKILLS

  •  Demonstrate a proven ability to analyze credit proposals
  • Understanding of business trends
  • Understanding credit risk management trends in the financial services industry
  • Ability to understand and analyze financial & cash-flow statements and make useful deductions for decision-making

Experience in Months: 36

Level of Education: Bachelor Degree

 

Job application procedure
To apply, send your application to; recruit@orient-bank.com
Closing Date; Friday, 22nd October 2021 at 5:00 pm

 

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