Credit Monitoring Officer Job at Housing Finance Bank

Housing Finance Bank

Credit Monitoring Officer Job Post

Location:  Jobs in Uganda 2025 - 2026

Work Hours: Full-time, 08 hours per day

Salary: UGX

No. of vacancies: 01

Deadline: July 28 2026

Hiring Organization: Housing Finance Bank

Job Details:

Job Summary: 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 impact 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.

Application procedure

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: 

Click Here

• 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 subject.

Date Posted: 2026-07-23

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