Housing Finance Bank is the leading provider of housing finance solutions with a vision to be the preferred consumer and business bank with a focus on housing finance. To attain its strategic objectives efficiently and effectively, Housing Finance Bank is seeking to hire qualified, versatile and self-driven individuals for the position stated below.

Department: Business & Institutional Banking
Reports To: Manager SME Banking
Direct Reports:
Direct
Indirect
– NONE
– NONE
– Mortgage and Consumer Banking Unit
– Credit (credit operations & administration unit)
– Legal Department
– Audit department
– Risk Department
– Business Technology
– Customers
– Others (Banks, Legal firms, service organizations, insurance companies, valuers etc.)
– Finance Department for the available line of credit
– Treasury Department for appropriate pricing
Interacts/Interfaces with:
Internal
External
Business Analyst – SME (2)

Job Purpose:

• Prepare proposals for SME, taking into consideration the Bank’s credit policy, with the result of getting quick approval from Credit dept. and manage customer expectations.
• Annual Credit Review requirement- Liaising with Collection Executives /RMs to obtain the necessary information for reviews of big-ticket credits.
• Appropriate deal structuring and review/sign off work done to ensure that it meets set standards and complies with credit policy.
• Ensure proper pricing on a revenue/expense basis & ensure full collection of fees and commissions, whilst growing the revenue line.
• Handle all aspects of credit application including structuring, documentation, and risk management.
• Through analysis of the customer information & customer accounts advise the RM on any additional income that can be derived from the customers.
• Prepare appropriate memos for facility extension and restructuring as and when required.
• Follow up on facility documentation to ensure that the approved terms and conditions are well captured prior to documents being forwarded to client.
• Monitor credit quality of portfolio for risk recognition & assigning proper risk rating for each relationship. Ensure quality of the portfolio is satisfactory.
• Develop marketing plan to identify SME relationships within the Bank targeted segments or sectors
• Maintenance of credit files and ensuring that credit related documents are properly documented.
• Support Relationship Managers in on-boarding new SME relationships.
• Support the Relationship Managers in implementing account plans for all the high value relationships within the assigned portfolio.
• Ensure high level of satisfaction within the assigned portfolio of BIB customers.
• Follow Up the quality of portfolio to ensure that there are no direct credit losses.
• Pro-act to changes in marketplace.
• Timely resolution of customer issues that require analysis on their accounts.
• Ensure all documentation is valid and complete in assigned portfolio.
• Be highly responsive to customer needs & ensure client satisfaction in an environment where client needs are constantly changing.
• Carry out industry studies and conducts financial analyses of segment customers using credit review skills and financial expertise to support productive sales performance.
• Prepare credit packages, proposal and board papers as required from time to time.
• Perform any other duties or responsibilities consistent with the role as assigned by management.

Financial Responsibility:

Performance on the following variables

• Support in New-to-Bank client acquisition
• Contribute towards lending growth within targeted segments
• Contribute towards liabilities growth within targeted segments
• Non-Interest Income (Fees and Commissions)
• Interest Income (on all business/institution-related lending disbursements): Yield and Margin

Education & Training
Qualifications

• A good bachelor’s degree in accounting, Finance, Commerce, Quantitative Economics, Business Administration, Statistics or a related field.
• Additional training or professional qualification in Business and project appraisal, Risk management, financial analysis will be added advantage.

Skills & Experience

• Minimum of 5 years’ experience in financial services environment with at least 2 in Credit Risk Management environment.
• Credit certification will be an added advantage
• Understand company financial statements (i.e. P&L and Balance Sheet)
• Analytical and problem-solving skills
• Awareness of business issues and current economic/market trends
• Computer knowledge, especially working spread sheets, power point and word processor
• Results- oriented individual with independent and sound judgment.
• Good written, verbal and communication skills kills

Business behaviours

• Self-driven and able to work efficiently under pressure.
• Results- oriented individual with independent and sound judgment.
• Good interpersonal skills, communication, and telephone skills
• Good written, verbal and communication skills.
• Organized and efficient i.e. goal and task oriented to complete multiple priorities and with the dynamic demands of the different teams in relationship management, credit evaluation, operations, legal etc.
• Ability to keep abreast of changes in the market, customer requirements and competitors’ responses.
• Ability to identify new business /products in the market, opportunities and threats to carry out comprehensive credit analysis.

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 Monday, 26th October 2026 by 5:00pm to:

Chief People & Culture Officer
Housing Finance Bank,
Investment House
4 Wampewo Avenue, Kololo

Please note that all applications must be submitted via the link address below
https://forms.cloud.microsoft/r/nvD6t96BWH
DO NOT HAND DELIVER YOUR APPLICATION