Credit Analyst United Bank for Africa (UBA) Bank

United Bank for Africa (UBA) is one of Africa’s leading financial institutions, with operations in twenty (20) countries and four (4) global financial centers: London, Paris, New York and Dubai. UBA has evolved into a Pan-African, provider of banking and related financial services through diverse channels globally.

United Bank for Africa Uganda represents UBA’s pioneer country activities in the East and Southern African sub-region. With a growing network of branches and ATMs across the country, the bank continues to expand the retail and commercial playing field in Uganda by delivering unique financial products and solutions. The bank is seeking to recruit the following highly motivated, competent, result oriented and dynamic professionals for the following positions;

Job Title: Credit Analyst
Department: Credit
Functionally Reports: Chief Credit Officer

Job Objective(S)
• To emphasize and protect high credit quality while encouraging and increasing the Bank’s market share to ascertain creation of high quality portfolio whilst maximizing returns.

Duties & Responsibilities
• Review all credit requests emanating from Corporate and other Business Units in line with the Bank’s credit review process and recommend qualifying ones for management approval.
• Ensure pricing of credits adequately compensates for associated risks.
Follow up credit requests submitted for approval and advise relevant officers of the outcome.
• Generate credit exception reports and follow up with Business Units for regularization.
Escalate issues that may adversely impact quality of the portfolio.
• Detection and escalation of unauthorized credits and past due overdrafts.
Prepare weekly and monthly relevant credit reports.
• Ensure recognition of incomes and fees from booked credits and matured payments are captured.
• Train and provide direction to guide Business offices on promptly addressing early warning signals.

Key Performance Indicators
• Effective supervision/management of team members to achieve team’s goals
• Proficiency in Microsoft programs and report writing.
• Familiarity with credit policy, procedures and their practical applicability.
• Knowledge of regulatory and statutory requirements specifically related to credit.
• Working knowledge of the Financial system.
• Understanding of the bank’s products and facilities and constituted credit risks
• Understanding of Financial and Credit analysis.
• Attention to detail and confidentiality.
• Ability to demonstrate initiative.
• Willingness to learn and train others.
• Excellent interpersonal and teamwork skills.
• Good analytical skills –

Job Requirements
Education
• First degree in quantitative subjects (Accounting, Finance, Statistics, Economics, Business
• Administration or related qualification.
• Post Graduate Qualification will be an added advantage.
Experience
• A minimum of Four (4) years Banking experience.

KEY COMPETENCY REQUIREMENTS
Knowledge
• Good knowledge of financial accounting with ability to analyze and interpret corporate financial statements
• Good knowledge of the Credit analysis and risk assessment
• Good knowledge of the Nigerian economy and market dynamics
• Good knowledge of the bank’s policies and procedures

Skill/Competencies
• Good analytical skills
• Written communication
• Good presentation skills
• Good interpersonal skills
• Strong team player and excellent organization skills
• High information/ data gathering ability
• Experience in conducting client visits and due diligence meetings
• Strong attention to details and ability to work under pressure