JOB DETAILS:

REPORTS TO: SENIOR CREDIT OFFICER MONITORING & REPORTING

Main Purpose of the Job

Execute the bank's credit administration processes, including credit documentation, disbursement, maintenance, monitoring, and reporting.

Responsibilities

1. Facilitate the disbursement of loans and advances with due care in strict compliance to bank policies and procedures.
2. Ensure that loan contracts like offer letters and collateral agreements are drafted in line with approved templates.
3. Ensure that correct limits are input and all applicable fees collected in accordance to offer letter instructions.
4. Ensure post-disbursement compliance with approved terms and conditions.
5. Support the Senior credit officer monitoring and reporting in preparing reports and data entry to maintain accurate databases related to credit administration.
6. Preparation of offer letters in line with approval requirements, Credit policy and regulatory requirements.
7. Confirm the security perfection for secured facilities before disbursement or exceptional approval has been given by Executive Management.

8. Ensure the correct legal documents have been drawn up and duly executed to protect the Bank's interests.
9. Update the register of exceptions for regular follow-up and ensure complete closure within the agreed timelines.
10. Check on expiring financial statements, valuations, and insurance policies and engage branches and relationship managers to submit renewals as defined in the credit policy.
11. Review and check the overdraft facilities and report on overdrawn limits, turnovers, and average unused limits.
12. Actively participate in credit projects and initiatives as appropriate.

13. Maintain accurate and up-to-date records of loan documents and customer information.
14. Provide assistance in resolving issues or discrepancies related to credit accounts.
15. support in audits and compliance reviews as needed to verify compliance with credit policies.
16. Ensure proper custody of credit documentation/files of all customer credit facilities

Person Specification (Education, training, skills and experience)
Qualifications
• Bachelor’s Degree in Business, Finance, Accounting, Economics, or a related field

Skills & Experience
• At least 2 years’ lending or credit experience in a financial institution.
Business Behaviours
• Excellent communication and presentation skills.
• High ethical standards and integrity.
• Neutrality and independence of judgment
• Problem-solving abilities.
• Proficiency in English Language and any other local language, preferably Luganda