Credit Analyst Job Opportunity in Uganda – I&M Bank Uganda

Credit Analyst Job Opportunity in Uganda – I&M Bank Uganda

:contentReference[oaicite:0]{index=0} is seeking a highly analytical and performance-driven Credit Analyst to support branch business growth and profitability through effective credit analysis, risk assessment, and portfolio monitoring.

The role focuses on ensuring high-quality credit evaluations, compliance with credit policy, and proactive management of retail credit facilities to support sustainable business growth.

Position Details

• Job Title: Credit Analyst
• Employment Type: Full-Time
• Sector: Banking
• Duty Station: Kingdom Kampala
• Reports To: Manager – Credit Analysis

Role Overview

The Credit Analyst will evaluate retail credit proposals, ensure compliance with the Bank’s Credit Policy, monitor post-disbursement performance, and support effective credit risk management across the assigned portfolio.

Key Responsibilities and Accountabilities

Credit Analysis and Evaluation

• Review and evaluate retail credit proposals in line with the Bank’s Credit Policy.
• Ensure timely review of existing credit facilities.
• Prepare and submit high-quality Credit Application Memos (CAMs).
• Analyze financial statements and cash-flow projections to support credit decisions.
• Assess credit risk for personal and retail accounts and recommend appropriate terms and conditions.

Portfolio Monitoring and Risk Management

• Monitor the retail credit portfolio to ensure compliance with approved terms and conditions.
• Ensure all facilities are monitored throughout the post-disbursement phase.
• Track and manage watch-listed accounts in collaboration with Branch Managers.
• Follow up on action plans arising from monthly watch meetings.
• Monitor daily exceptions including limit excesses and other non-compliance issues.

Stakeholder Collaboration

• Work closely with the workplace banking team to obtain relevant information for credit evaluation.
• Liaise with teams on excess reports, site visits, company financials, and supporting documentation.

Compliance and Reporting

• Ensure all credit facilities comply with the Credit Policy and applicable laws and regulations.
• Maintain records of approved and declined credit facilities for continuous learning and improvement.
• Escalate breaches of covenants, conditions, or risk triggers to the Head of Credit for corrective action.

Minimum Education Qualifications and Experience

Education

• Bachelor’s degree in a business-related discipline or its equivalent.

Experience

• Minimum of 3 to 8 years’ banking experience.
• At least 1 year of experience in core credit operations within the banking industry.

Required Competencies

• Strong ability to analyze and evaluate credit proposals.
• Sound understanding of business and credit risk management trends.
• Ability to interpret financial statements and cash-flow analysis.
• Strong coordination, organizational, and multitasking skills.
• Excellent interpersonal and communication skills.
• Ability to work effectively under pressure and meet deadlines.

Application Information

Application Deadline: Tuesday, 27 January at 5:00 PM

Note: Only shortlisted candidates will be contacted.