Credit Manager(1)

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 upskilling.
• 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: NOT MORE THAN 5 OF THE MOST TYPICAL

• 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 and 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.

Job Description Document

• 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
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• Posted :July 1st, 2025
• Deadline :July 11th, 2025
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