Credit Manager Job Placement – ABC Capital Bank Ltd

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Organisation: ABC Capital Bank Ltd
Duty Station: Kampala, Uganda
ABC Capital Bank started its journey in 1993, as a deposit taking financial institution then trading by the name Capital Finance Corporation Limited. Licensed and supervised by Bank of Uganda under the Financial Institutions Act 2004, Capital Finance Corporation Limited offered a wide range of products such as savings accounts, business accounts, fixed deposits, business loans services and remittances through Western Union money transfer agency. ABC Capital Bank is part of ABC Group, Kenya and has ambitious growth plans.
Key Duties and Responsibilities:  
Quality Service Delivery
  • 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 to ensure 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
Risk Management:
  • Keenly analyse the entire Bank’s credit portfolio for correct provisioning as the Central Bank and provide recommendations where necessary
  • Oversee 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
  • Prepare and present Board notes to Board Credit Committee
  • Tasked with monitoring and recovering of accounts in watch, NPA and written off
  • Ensure to support/supervise the Credit Officer/CRB Manager in handling the Credit Reference Bureau (CRB) related activities
  • Ensure compliance of Bank for all CRB data submissions and retrievals on file as per Customer Confidentiality rule
  • Ensure compliance of Bank in all credit policies, procedures and regulatory requirements published for use from time to time
  • 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 supervisor
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.
  • Coordination of all Credit activities
  • Marketing and growth
  • Portfolio quality and risk management
  • Operational Procedures
  • Staff Development

Qualifications, Skills and Experience:  
  • The applicant for the ABC Capital Bank Credit Manager job placement must hold a University Degree from a recognized university
  • Post Graduate qualification is an added advantage
  • Six years of working experience in busy commercial banking environment
  • Sound knowledge of credit products with minimum of four years of experience
  • Strong interpersonal / written / communication skills
  • Good knowledge of banking and financial market in Uganda
  • Computer literacy skills
  • Ability to translate the bank’s corporate strategy into a departmental business plan and operationally the same.
  • 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
  • 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 management
  • Solution selling techniques
  • Strong interpersonal / written / communication skills
  • Good knowledge of banking and financial market in Uganda
  • Sound knowledge of credit products with minimum of five years of experience
How to Apply:
Al suitably qualified and interested candidates are encouraged to apply online at the link below.
Deadline: 23rd May 2018


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