Job Title: General Manager – Credit and Control
Organisation: Bank of Africa – Uganda Ltd. (BOA)
Duty Station: Kampala, Uganda
Reports to: Executive Director
About BOA:
Bank of Africa – Uganda Ltd. is part of Groupe Bank Of Africa (BOA) comprising 16 Commercial Banks, 3 Leasing Companies, 2 Investment Companies, a Stock Brokerage Company, an Asset Management Company and a Mortgage Bank. It spans 15 African countries and France, employing over 5,000 people. BOA believes in Transparency, Expertise, Proximity and Responsibility.
Job Summary: The BOA General Manager -Credit and Control will provide strategic direction and management of the functions of Credit Analysis, Credit Monitoring and Control, Special Assets and Legal, so as to coherently manage credit risk and protect shareholder value, while supporting sustainable credit business growth that builds customer value and supports the overall aims of the Bank.
Key Duties and Responsibilities:
- Offer strategic leadership for all credit processes of the Bank and guide all related activities to build and protect a quality and profitable loan portfolio that supports the Bank’s growth strategies, within sustainable risk parameters;
- Work in close collaboration with all relevant stakeholders, design the credit risk management framework for the Bank to guide all its pre-and- post disbursement processes and decisions, and supervise its implementation to ensure that the risks associated with the Bank’s credit activities, are effectively managed and mitigated;
- Oversee the evolution of the Bank’s credit policies, processes and procedures, and champion their consistent application in all matters of credit business. This includes integrating the Environmental and Social Risk management agenda of the bank with all credit practices, and ensuring compliance with all relevant laws and regulations that relate to the Bank’s credit business;
- Collaborate with all relevant stakeholders in business and operations to consistently deliver on all service level standards to attain business efficiency, so as to create customer value, and enhance competitive advantage and business value for the Bank;
- Significantly contribute to the Assets and Liabilities Management Committee of the Bank in managing the Bank’s balance sheet, and support in analyzing micro and macro-economic parameters, and help determine the right pricing for credit business;
- Provide overall control of credit analysis procedures, while building and maintaining the necessary structures and tools for reliable identification and mitigation of credit risk, structuring of credit business and approval of procedures. Furthermore, responsibly sanction credit facilities within delegated approval limits where appropriate;
- Work closely with relevant stakeholders and provide overall guidance and maintenance of control structures to ensure all business that is booked by the Bank is comprehensively documented, perfected and is within the relevant legal framework of credit and banking, so as to be legally sound and executable where such necessity may arise;
- Provide overall leadership in credit portfolio oversight, and collaborate with stakeholders to maintain structures and tools for cross-functional portfolio monitoring so as to enable proactive debt management and limit the forward-flow / ageing rate within acceptable range.
- Provide oversight control of special assets and delinquent accounts by mobilizing and leading all relevant stakeholders along the collections and recoveries processes to limit the Bank’s non-performing assets within an acceptable range
- Manage, motivate and develop the credit team through rigorous performance management, coaching, mentoring, learning and development interventions to create a team able to deliver the credit mission of the Bank.
Qualifications, Skills and Experience:
- The ideal candidate should hold a Masters’ Degree in a business related field will be an added advantage
- Professional qualification in credit, while professional qualification in Banking, Finance, Accounting e.g. ACCA, CFA, CPA etc is desirable;
- At least five years’ experience at senior management level preferably in a financial institution dealing with credit;
- Strong working knowledge of the relevant legal and regulatory frame including the Financial Institutions Act, the Mortgage Act, the Central Bank Lending Guidelines, the Financial Consumer Protection Guidelines etc;
- Excellent track record in building a quality credit portfolio and working on credit policies, processes and procedure in the financial industry;
- Good awareness & interpretation of credit trends in the industry, and understanding of economic matters both on a locally and globally;
- Strong strategic and conceptual skills, along with good leadership and people management skills;
- Customer centricity;
- Advanced business acumen and financial skills, along with advanced analytical and risk management acumen;
- Good decision-making, conflict resolution and problem solving skills;
- Excellent networking, teamwork and interpersonal skills, with ability to engage and influence key people inside and outside the Bank;
- Very strong presentation, verbal and written communication skills;
- Possess the ability to work under pressure, and exercise excellent judgment
How to Apply for the job:
All suitably qualified applicants with a yearning to join the banking sector with Bank of Africa – Uganda Ltd. (BOA) in the aforementioned portfolio should please send their applications which should include a cover letter, updated resumes (CVs) and send them preferably via E-mail (no scans) or hand deliver them to our office at this address to: Senior Manager, Bank of Africa – Uganda, Plot 45 Jinja Road, Kampala, Uganda.
NB: Please indicate the job title “General Manager – Credit and Control” in subject of the E-mail.
E-mail to: boajobs@boauganda.com
Deadline: Friday, 19th December 2014
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