Job Tittle: Credit Analyst (Monitoring & Compliance)

Reporting to: CEO

Location: Kampala

About the Client

Our client is a specialized export financing institution established to support Uganda’s exporters through accessible, innovative, affordable, and sustainable financial solutions. The institution bridges financing gaps faced by exporters—particularly in the agro-export, manufacturing, and energy sectors—driving Uganda’s economic transformation through trade.

The Credit Analyst is responsible for the day-to-day execution of credit portfolio monitoring and ensuring institutional compliance with internal policies and regulatory frameworks. This role focuses on the technical analysis of credit performance, tracking early warning indicators, and preparing detailed compliance reports. The Analyst will play a vital role in safeguarding asset quality by providing the data-driven insights necessary for sound credit decision-making and risk mitigation.

Key Duties and Responsibilities

1. Credit Portfolio Monitoring

• Conduct continuous monitoring of the credit portfolio to ensure borrower compliance with approved terms, financial covenants, and risk appetite.
• Update and maintain credit monitoring tools and dashboards to track portfolio performance, arrears, and restructurings.
• Identify and escalate "early warning signals" (EWS) in the portfolio to prevent asset quality deterioration.
• Perform post-disbursement reviews, ensuring funds are utilized as intended and non-financial covenants are met.
• Assist in conducting sector-specific exposure analysis and portfolio stress tests.

2. Compliance & Risk Support

• Verify that all credit files and transactions adhere to internal policies and regulatory requirements.
• Perform regular credit compliance checks and maintain the institutional credit compliance register.
• Track the implementation of recommendations from internal audits and risk committees.
• Assist in the preparation of regulatory returns and documentation for supervisory engagements.

3. Reporting & Analysis

• Prepare monthly and quarterly credit monitoring reports for Management and Risk Committees.
• Analyze financial statements of existing borrowers to assess ongoing viability and repayment capacity.
• Maintain accurate and organized credit risk documentation and databases.
• Collaborate with business teams to ensure a proactive approach to risk management and compliance.

Experience, Skills, and Qualifications

Education and Experience

• Bachelor’s degree in Finance, Accounting, Economics, Statistics, or Business Administration.
• A minimum of 2–4 years’ experience in credit analysis, credit monitoring, or risk management within a financial institution.
• Progress toward professional certifications (e.g., CPA, ACCA, or CFA) is a significant advantage.

Technical and Professional Skills

• Financial Literacy: Strong ability to interpret balance sheets, cash flow statements, and financial ratios.
• Data Proficiency: Advanced Excel skills are essential; experience with Power BI or SQL is a plus.
• Attention to Detail: High level of accuracy in data entry, report writing, and document review.
• Regulatory Knowledge: Familiarity with Ugandan financial regulations and credit risk guidelines.

Core Competencies

• Analytical Thinking: Ability to spot trends and anomalies within complex data sets.
• Integrity: Uncompromising ethical standards and professional judgment.
• Growth Mindset: A proactive desire to learn the intricacies of export financing and progress into leadership.
• Communication: Clear written and verbal communication for reporting and stakeholder coordination