Credit Manager job at KCB Bank

KEY RESPONSIBILITIES:

• Quality assessment and prudent decisions on loan applications within lending discretionary limit and/or making recommendations to higher approving authority.
• Compliance with target turnaround time and the agreed Service Level Agreement (SLA).
• Provide prompt guidance, mentoring, coaching and support on aspects of credit to all credit teams across branch network.
• To grow the good book whilst minimizing risk.
• Provide the lead technical support on development of new and reviewing existing credit products, credit policies and credit appraisal tools.
• Identify training needs of credit teams in head office and across branch network through branch visits, spot checks and observations and recommend appropriate credit up-skilling.
• Assist the Head of Credit and or Senior Credit Manager on all credit related issues delegated and act in their capacity while they are away.

DAILY RESPONSIBILITIES:

• Sanction credit applications within delegated lending discretionary authority for KCB Bank Uganda.
• Assess and recommend for approval credit applications above delegated lending discretionary authority.
• Coach and mentor credit analysts within KCBU Head Office.
• Monitor pre-approved loan applications pending with business to ensure they are sanctioned within SLA.

Other Duties:

• Conduct credit training or recommend necessary trainings for Credit Analysts and Relationship Managers.
• Prepare and submit for review Board Credit Committee credit request Memos within the specified timelines.
• Participate in the 360 Degrees and customer survey feedback reviews.
• Review new/re-packaged credit product proposals.
• Ensure applications are processed within TAT to avoid long outstanding CQ items.
• Conduct periodic customer visits to ensure proper utilization of facilities or assess the business prior to lending on sample basis.
• Any other duties delegated from time to time.

MINIMUM POSITION QUALIFICATION REQUIREMENTS

Academic & Professional

Particulars Details Specific Field or Qualification Need Type

Education

Bachelor’s degree

Economics, Finance or Business-related course

RQ

Professional Qualifications

Certified Credit Management, Credit Risk Management, or any other recognised credit certification course.

RQ

Master’s degree

Economics, Finance or Business-related course

AA

Experience

Total Minimum No of Years Experience Required

6

DetailMinimum No of YearsNeed Type

Relationship Management

1

DE

Credit Underwriting and Approval

4

ES

Credit Portfolio Management

1

ES

• Quality assessment and prudent decisions on loan applications within lending discretionary limit and/or making recommendations to higher approving authority.
• Compliance with target turnaround time and the agreed Service Level Agreement (SLA).
• Provide prompt guidance, mentoring, coaching and support on aspects of credit to all credit teams across branch network.
• To grow the good book whilst minimizing risk.
• Provide the lead technical support on development of new and reviewing existing credit products, credit policies and credit appraisal tools.
• Identify training needs of credit teams in head office and across branch network through branch visits, spot checks and observations and recommend appropriate credit up-skilling.
• Assist the Head of Credit and or Senior Credit Manager on all credit related issues delegated and act in their capacity while they are away.
• Sanction credit applications within delegated lending discretionary authority for KCB Bank Uganda.
• Assess and recommend for approval credit applications above delegated lending discretionary authority.
• Coach and mentor credit analysts within KCBU Head Office.
• Monitor pre-approved loan applications pending with business to ensure they are sanctioned within SLA.
• Conduct credit training or recommend necessary trainings for Credit Analysts and Relationship Managers.
• Prepare and submit for review Board Credit Committee credit request Memos within the specified timelines.
• Participate in the 360 Degrees and customer survey feedback reviews.
• Review new/re-packaged credit product proposals.
• Ensure applications are processed within TAT to avoid long outstanding CQ items.
• Conduct periodic customer visits to ensure proper utilization of facilities or assess the business prior to lending on sample basis.
• Any other duties delegated from time to time.

• Bachelor’s degree in Economics, Finance or Business-related course
• Certified Credit Management, Credit Risk Management, or any other recognised credit certification course.
• Master’s degree in Economics, Finance or Business-related course