Website Housing Finance Bank
Department: Credit
Reports To: Manager Valuation
Job Grade: HFB 5 A
Direct Reports:
Direct – None
Indirect – None
Interacts/Interfaces with:
Internal – Credit Team
- Business Teams
- Branch Teams
- Risk Management
- Quality Assurance
- Audit
External – External Auditors
- Bank of Uganda (BoU)
- Insurance firms
- Valuation firms
- Customers regarding compliance issues
Job Purpose:
To proactively monitor all credit facilities advanced by the Bank to its customers to reduce the effect of default and deterioration of accounts into non-performing status thereby reducing the mpact of loss and provisioning
Key Duties and Responsibilities:
- Check adherence to the Bank’s policies, procedures and all rules and regulations associated with business, mortgage, consumer and microfinance lending.
- Develop and implement tools for the identification of early- warning signals within the portfolio to contribute to ongoing enhancement of portfolio quality and proactively address any issues that arise.
- Ensure that all conditions relating to maintenance of securities in good order are satisfied, e.g., diaries for insurance policies, property revaluations, rent and rates are in place and working well.
- Ensure that the Bank’s securities are adequately insured and that insurance cover is up to date.
- Develop a methodology for tracking all post-loan-approval covenants and ensuring that any identified breaches are managed and escalated if necessary.
- Monitor and track covenants, exceptions, and deferrals.
- Conduct periodic monitoring of construction-project and contract financing.
- Work closely with credit teams and relationship personnel to implement the remedial plans by recommending appropriate actions for non-compliant customers.
- Monitor expired limits and renewals monthly.
- Monitor early warning account triggers daily.
- Prepare monthly covenant and monitoring reports to the Chief Credit Officer and Executive Credit Committee.
- Conduct site visits to projects.
- Participate in the implementation of system and project initiatives affecting the Credit Department.
- Periodically accompany Relationship Managers (RMs), Personal Bankers (PBs) and Business Bankers (BB) to client visits or meetings to address perceived credit risk matters.
- Periodically participate in the training of the business teams.
- Ensure that loans comply with ESG standards by coordinating post-¬approval checks as per the approval terms.
- Prepare quarterly monitoring reports on the agricultural portfolio, including field visits.
- Provide utilisation reports to facilitate onward disbursement in accordance with the approved terms.
Qualifications, Skills and Experience:
- A Bachelor’s Degree in Risk Management, Finance, Commerce, Business Administration, Economics, Statistics, Management, or a related field.
- Possession of a certified banking qualification in a relevant field would be an added advantage.
- Relevant practical training in credit risk in the financial services sector.
Skills & Experience:
- Report-writing skills.
- A minimum of five (5) years’ experience, with at least two (2) years in the Credit Risk Management domain.
- Effective verbal and written communication skills.
- Good understanding of risk management principles.
- Possesses a working knowledge of banking regulations, credit- related laws and anti-money laundering laws.
- Possesses strong problem-solving abilities, including hypothesis- driven thinking and strong analytical, quantitative and conceptual skills.
- Thorough understanding of the evolving practices for the management of credit risk and regulatory requirements.
- Capable of professional discussions with internal and external stakeholders.
- Able to source data, perform periodic computations, and report on findings.
Business Behaviours:
- The ability to communicate clearly both verbally and in writing in a professional manner is deemed essential.
- Ability to build effective working relationships across organizational, corporate, and cultural boundaries.
- Takes clear accountability and focuses on delivery of credit monitoring.
- Team player.
- Provides extraordinary service.
- Must be a person of impeccable integrity.
- Strong understanding of credit-related regulatory guidelines, legal risks, and applicable laws.
- Good knowledge of banking products, transactions, and credit risk management systems.
How to Apply
Interested candidates should submit their applications with 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 Tuesday, 28th July 2026 by 5:00 pm to:
Chief People & Culture Officer
Housing Finance Bank,
Investment House
4 Wampewo Avenue, Kololo
Please note that all applications must be submitted via the following link: https://bit.ly/CreditMonitoringOfficer
DO NOT HAND-DELIVER YOUR APPLICATION
ONLY shortlisted candidates will be contacted, and any form of canvassing will lead to automatic disqualification.
Guidelines for submitting Documents.
- Ensure that all your documents are scanned and submitted in 1
- single batch using the following order:
- Application letter
- Curriculum Vitae (CV)
- Academic Documents and Certificates
- The maximum document size is 10 MB.
- Please indicate the name of the position you are applying for in the
To apply for this job please visit bit.ly.