True North Uganda
CREDIT ANALYST – REGIONAL BUSINESS OFFICE
Position Description
Job Title: Credit Analyst – Regional Business Office
Reports To: Senior Credit Manager – Head Office
Dotted Line Reporting
To: Investment Manager – Regional Business Office
Department: Credit Risk
Scale: Bank 06
Location: Regional Business Office – Arua
Supervises: None
Job Summary / Purpose
Job Summary / Purpose
Carry out Credit underwriting of applications under the Special Programs Platform ensuring
strict adherence to the Bank’s credit risk appetite, policies and procedures.
Support the loan book administration, Monitoring & Recovery process on the book of the
Regional Business Office.
Accountability
Statement
The role holder will execute prudent underwriting standards for both prospective and
existing funding proposals at the regional office in alignment with the bank’s credit risk
framework.
Principle Duties &
Responsibilities
● Prudent underwriting standards including high levels of client due diligence to
underwrite credit risk to prospective and existing clients that have a strong
probability of success, that will generate cashflow and will repay all credit facilities
from business cash flows.
● Conduct independent analysis of the financial condition of borrowers and prospects
in support of loan origination, loan renewal, and loan review.
● Ensure Credit Risk Ratings assigned to credit exposures are dynamic, timely and
accurate to correctly reflect the risks associated with such a borrower.
● All credit activities undertaken at the regional office are in compliance with the
Credit Risk Management Policy, and the Credit Procedures Manual always.
● All business deals presented at the regional office are in compliance with policy limits
and prudent credit underwriting, as well as adherence to credit procedure and
practices.
● Prepare ratio analyses, peer group comparisons, and provide commentary on the
findings including abnormalities, unusual trends, one-time events, relevant tasks,
developing problems, etc. that require further
investigation/clarification/explanation.
● Participate in preparation and processing of loan applications for the
departmental/Management and Board Credit Committee in accordance with the
department’s guidelines.
● Assist in monitoring of the performance and grading of the loan portfolio on a
monthly/ongoing basis and recommend relevant remedial actions in accordance
with the credit policy.
● Support the Bank’s business growth objective through timely credit
assessment/underwriting of projects.
● Give weekly/monthly/yearly Regional Business Office loan book performance to the
regional head.
● Any such roles that may be assigned from time to time.
Level of Authority
● Analyze credit applications and offer an opinion on viability for funding and
adherence to Credit Risk management framework.
● Administer and monitor the Regional Business Office loan book to remain healthy
and profitable.
Relationships Internally: All Bank Departments
Externally: When deemed appropriate, current and prospective clients.
Person Specification
Qualifications A numerate degree with Accounting, Finance, or other related fields of study.
Professional certification in a related field of study will be an added advantage.
Experience
5 years related experience in credit analysis/loan underwriting in a financial institution.
Exposure to underwriting long term credit is highly desirable.
Sector specific underwriting specialization and/or experience (e.g. agriculture,
manufacturing, tourism) will be an added advantage.
Competencies
● Strong oral and written communication skills.
● Good analytical skills.
● Ability to maintain the confidentiality of credit and customer information.
● Superior Planning and Organizing skills.
● Good interpersonal skills and team orientation.
