Credit Manager job at KCB Bank Uganda | Apply Now

• 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.