HOUSING FINANCE BANK
Department: Credit Department
Reports To: Manager Credit Evaluation – Business
Grade: HFB 5 B
Direct Reports:
Direct – None
Indirect – None
Interacts/Interfaces with:
Internal – Credit Teams
– Business Teams
– Branch Teams
External – None
Job Purpose :
• The Credit Evaluation Officer is accountable for delivery of a professional service
to the business units, by assessing and evaluating credit facilities (new and/
or existing) based on sound credit & financial principles which supports the
minimising of risk to the bank.
• The role holder assists HFB in achieving their asset growth targets by providing
effective value adding risk management, whilst maintaining a quality-lending
book, through judicious and effective management thereof.
Key Result Areas:
1. Evaluates whether Business Credit facility proposals meet sound business
criteria and credit risk falls within acceptable parameters, approve/disapprove,
and recommends appropriate credit facilities including terms or conditions of
facilities.
2. Shows decisiveness in applying product parameters, credit policies and
governance standards.
3. Ensures accuracy and reliability of approvals within advised Delegated Authority
(DA), or referrals to higher authority, on Business credit applications reviewed.
4. Adds value to the credit approval process by guiding originators as appropriate to
reduce reworks on applications to a lower percentage as will be agreed.
5. Ensure timely and quality credit assessment and decision are made.
6. Manage adherence to the service level agreement that have been concluded.
7. Builds relationship with Branch Managers and Relationship Managers to improve
quality of business proposals and turnaround time on credit evaluations.
8. Actioning of the daily referral report and make decisions to pay or not based on
the reason for excess and source of adjustment, the terms of sanction in existence
and the risk to which the Bank is exposed.
9. Issuing of sanction documents, clearly stating the conditions and requirements of
the lending.
10. Ensure completeness of documentation, reconfirming (as per agreed frequency)
that appropriate verification of information and documentation has been
carried out by the Credit Origination Team, credit bureau & other searches, full
compliance with product parameters/lending policy guidelines/other governance
requirements on all credits processed.
11. Performs similar duties as s/he deems fit for the proper execution of her/his duties
or duties as duly assigned by the Employer.
12. Ensure that ESG aspects in Credit assessment are considered and well
documented
Financial Responsibility:
1. Achievement of risk asset budget for the Business credit facility portfolio.
2. Growth and maintenance of high-quality risk asset portfolio for the Bank.
3. Minimization of credit losses.
Person Specifications
Education & Training
1. A Business Degree in Risk, finance, Commerce, Business Administration,
Economics, Statistics, management, or any relevant field.
2. Possession of a Certified banking qualification or master’s degree in a relevant field
would be an added advantage.
3. Relevant Practical training in Credit Risk in the financial services sector
Skills & Experience
1. Sound Minimum of 5 years banking experience, with at least 2 years in Credit risk
management, preferably in the Business credit space.
2. Knowledge and understanding of Project lending, Business lending, analysis
techniques, credit criteria, credit policies, risk and financial analysis, credit control
and application thereof.
3. Sound understanding of business practices and the Bank’s Business Loans products
suite, credit policies and processes.
4. Exposure to credit scoring and automated decisioning.
5. Decisiveness
Business Behaviours
• The ability to communicate clearly both verbally and in written form in a
professional manner is deemed essential.
• Ability to build functioning working relationships across organizational, corporate,
and cultural boundaries.
• Takes clear accountability and focuses on delivery of credit goals.
• Excellence Orientation: disposed to setting and achieving high standards of
excellence in all spheres of the job.
• Organizational Alertness: capacity to appreciate and understand how job fits in
with other jobs and overall job structure of the organization; and the importance
of company policies & procedures.
• Provides extraordinary service.
• Must be a person of impeccable integrity
Interested candidates should send a recent CV, copies of all academic transcripts,
certificates and testimonials, daytime telephone contact, postal and email address and
three competent referees not later than Friday, 6th June, 2025 by 5:00pm to:
Chief Human Resources Officer
Housing Finance Bank,
Investment House
4 Wampewo Avenue, Kololo
Please take note that all applications should be sent by email to
Recruitment@housingfinance.co.ug
DO NOT HAND DELIVER YOUR APPLICATIONDO NOT HAND DELIVER YOUR APPLICATION
Please take note that ONLY shortlisted candidates will be contacted, and any form ofPlease take note that ONLY shortlisted candidates will be contacted, and any form of
canvassing will lead to automatic disqualification.canvassing will lead to automatic disqualification.
Guidelines for submitting Documents.
1.1. Ensure that all your documents are scanned and submitted in 1 single batch usingEnsure that all your documents are scanned and submitted in 1 single batch using
the following order:the following order:
•• Application letterApplication letter
•• Curriculum Vitae (CV)Curriculum Vitae (CV)
•• Academic Documents and CertificatesAcademic Documents and Certificates
2.2. The maximum document size is 10 MBs.The maximum document size is 10 MBs.
3.3. Please indicate the name of the position you are applying for in the subject.Please indicate the name of the position you ar
