Credit Analyst job at NCBA Bank

Credit Analyst

2025-04-01T14:48:27+00:00

FULL_TIME

Banking

Commercial Banks

2025-04-15T17:00:00+00:00

 

Uganda

8

Job Purpose Statement
To support the Credit Analysis Unit and the Relationship Managers in day-to-day management of an assigned portfolio and provide credit analysis on key assigned credit relationships. Coordinate key activities associated with the assigned portfolio of accounts with the intention of monitoring acceptable credit risk and maximizing the bank’s return from each client.

Key Accountabilities (Duties and Responsibilities)
Prepare and submit credit proposals in conformity with Credit Policy guidelines and requirements in liaison with the Relationship Manager and to maintain a high standard of credit analysis.
• Collect and analyse vital data on clients i.e. annual reports, management accounts, interim reports, industry reports and all press cuttings etc. to acquire in-depth knowledge which will facilitate comprehensive review of assigned accounts relationships and relationships assigned to Relationship Managers.
• Obtain account statistics and profitability figures for facilities review/appraisal purposes and ensure that information provided is accurately completed and that relevant remarks are incorporated in the credit proposal.
• Ensure timely annual reviews of all existing clients’ facilities.
• Monitor and track all set covenants through maintaining an up to date covenants tracker. Communicate all breaches to the Business teams and follow up on issuance of breach letters, effecting any penalties and other remedial actions.
• Prepare excess approval requests/notification for all excesses.
• Support the RM to achieve set income targets (Interest income and Non-interest income) by ensuring that all required fees are captured in the Offer Letters, penalties are implemented and annual review fees are picked.
• Drive brand visibility by Cross-sell other Bank Products.
• Make recommendation for existing and prospective customers under the various loan products and submit to the appropriate final authority within established turnaround time.
• Attend expeditiously to queries / routine correspondence directed towards the Credit Analysis Unit generally emanating from Clients, Credit Administration, Risk Control, Audit branches and customers.
• Accompany the RM on client visits and file call reports.
• Maintain professional and technical knowledge by attending and contributing to training programmes, educational workshops, reviewing professional publications, establishing personal networks, participating in professional structures & studies
• Be self-driven and directed. Build excellence in coaching, problem solving, Presentation, communication and writing skills.

Job Specifications
Academic Qualifications
• Any Degree from a recognised university
• Credit Management, Accounting or Banking Qualification
Experience
• At least 3 years relevant experience in credit analysis
Professional Training
• Professional qualifications in ACCA, CPA, CFA etc. are an added advantage
• Possession of a credit certification course will be an added advantage
• Strong general banking expertise

Key Accountabilities (Duties and Responsibilities) Prepare and submit credit proposals in conformity with Credit Policy guidelines and requirements in liaison with the Relationship Manager and to maintain a high standard of credit analysis. • Collect and analyse vital data on clients i.e. annual reports, management accounts, interim reports, industry reports and all press cuttings etc. to acquire in-depth knowledge which will facilitate comprehensive review of assigned accounts relationships and relationships assigned to Relationship Managers. • Obtain account statistics and profitability figures for facilities review/appraisal purposes and ensure that information provided is accurately completed and that relevant remarks are incorporated in the credit proposal. • Ensure timely annual reviews of all existing clients’ facilities. • Monitor and track all set covenants through maintaining an up to date covenants tracker. Communicate all breaches to the Business teams and follow up on issuance of breach letters, effecting any penalties and other remedial actions. • Prepare excess approval requests/notification for all excesses. • Support the RM to achieve set income targets (Interest income and Non-interest income) by ensuring that all required fees are captured in the Offer Letters, penalties are implemented and annual review fees are picked. • Drive brand visibility by Cross-sell other Bank Products. • Make recommendation for existing and prospective customers under the various loan products and submit to the appropriate final authority within established turnaround time. • Attend expeditiously to queries / routine correspondence directed towards the Credit Analysis Unit generally emanating from Clients, Credit Administration, Risk Control, Audit branches and customers. • Accompany the RM on client visits and file call reports. • Maintain professional and technical knowledge by attending and contributing to training programmes, educational workshops, reviewing professional publications, establishing personal networks, participating in professional structures & studies • Be self-driven and directed. Build excellence in coaching, problem solving, Presentation, communication and writing skills.

 

Job Specifications Academic Qualifications • Any Degree from a recognised university • Credit Management, Accounting or Banking Qualification Experience • At least 3 years relevant experience in credit analysis Professional Training • Professional qualifications in ACCA, CPA, CFA etc. are an added advantage • Possession of a credit certification course will be an added advantage • Strong general banking expertise

JOB-67ebfcbb4f741

NCBA Bank

https://www.greatugandajobs.com/jsjobsdata/data/employer/comp_3292/logo/NCBA%20Bank.png

https://www.ug.ncbagroup.com

 

Kampala

Kampala

00256

Uganda

UGX

 

MONTH

bachelor degree

36