Housing Finance Bank is hiring a Business Analyst with the following responsibilities;

• Prepare proposals for BIB, 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 Credit Collections /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 incomes that can be derived from the customers.
• Prepare appropriate memos for facility extension and restructure 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.

Key Duties and Responsibilities:

• Monitor credit quality of portfolio for risk recognition & assigning proper risk rating for each relationship. Ensure quality of the portfolio is satisfactory.
• Support Relationship Managers in on-boarding new BIB relationships.
• Support the Relationship Managers in implementing account plans for all the high value relationships within the assigned portfolio.
• Directly responsible for managing BIB customers portfolio, (Number of relationships and average size of the portfolio to be agreed with the Team Leader).
• 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 memos, 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

Qualifications, Skills and Experience:

• • 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 processing
• Results- oriented individual with independent and sound judgment.
• Good written, verbal and communication skills

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 on changes in the market, customer requirements and competitors’ responses.
• Ability to identify new business /products in the market, opportunities and threats to carry out a comprehensive credit analysis.

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 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 APPLICATION

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 subject.

Deadline: 12th November 2025