Credit Manager

Job Purpose:

To manage lending risk for KCB Bank Uganda corporate, mortgage, SME and personal loans book through analysis of credit applications in accordance with the Bank’s credit policy, FIA guidelines and best practice to achieve quality growth in the asset book in line with the bank’s strategic plans.

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 leadership for the credit team reporting to the Head of Credit in view of establishing and maintaining a high performing and motivated team.
• 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 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.
• Monitor daily work allocation to ensure equitable distribution.
• Monitor pre-approved loan applications pending with business to ensure they are sanctioned within SLA.
• Follow up on reviews (expired & expiring) with the relationship managers/branches.

Other Duties:

• Conduct credit training or recommend necessary for RMs.
• 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.

Challenges:

• The Credit Manager’s performance is measured on rework rates which conflicts with this role as an approver.
• The TAT performance measure is disproportionately weighted on TAT performance of other individuals in the Credit process who are not accountable to the Credit Manager.
• The BSC does not include the portfolio quality per Sanctioner. This Sanctioners’ individual contributions are therefore not rewarded which is a major motivation risk.

The above position is a demanding role for which the Bank will provide a competitive remuneration package to the successful candidate. If you believe you can clearly demonstrate your abilities to meet the criteria given above, please log in to our Recruitment portal and submit your application with a detailed CV.

To be considered your application must be received by Tuesday 4th March 2025.