I&M Bank Uganda is a commercial bank headquartered at Kingdom Kampala with a growing regional presence. The Bank offers a wide range of commercial banking and financial products and services, and prides itself on introducing innovative products and services based on the needs of its customers. We are seeking to recruit a competent and highly motivated individual with extensive experience and abilities to support business growth in the following position:
JOB TITLE: CREDIT ANALYST
LOCATION: KINGDOM KAMPALA
REPORTS TO: MANAGER CREDIT ANALYSIS
Job purpose:
The purpose is to Drive aggressively the Branch Business Growth and Profitability by Identifying, Developing, and maintaining relationships with customers, Agents, and other Bank Channels.
Improving Productivity, streamlining branch activities and aligning with Banks KPIS to maximize results and achieve peak Performance Levels.
Key responsibilities & Accountabilities:
- To ensure reviews of facilities are done timely.
- To ensure submission of quality Credit Application Memos (CAMs) which are in line with the Bank’s Credit Policy.
- Evaluation and analysis of Retail proposals in line with the Bank’s Credit Policy.
- Review Retail business applications as submitted by the Retail sales team for accuracy and compliance with the credit policy before presentation of the application to the relevant approval committees.
- Proactively drive the review process to ensure consistent, thorough and timely evaluation of existing credit facilities in accordance with the credit policy.
- Interface with the workplace banking team to obtain appropriate information to evaluate risk from a credit perspective in line with guiding credit policies.
- Monitor the Retail Business Segment portfolio to ensure compliance with approved terms and conditions.
- Evaluation and assessment of Credit Risk and associated risk for personal accounts in line with credit policy.
- Suggest and recommend terms and conditions for the credit recommended.
- Liaise with the workplace banking team for reviews, excess reports, site visits, company financials and other analysis related information to support the credit applications.
- Keep an account of credits approved and credits declined for lessons learnt.
- Ensure that all credit facilities within your portfolio are monitored throughout the post disbursement phase.
- Ensure that all credit facilities within your portfolio comply with the Credit Policy and other applicable laws and regulations in a bid to avoid operational losses.
- Ensure that all facilities within your portfolio that are under the watch category are managed in liaison with the respective Branch Managers.
- Ensure that all watch listed accounts within your portfolio that are discussed in the monthly watch meeting and for which action plans are recommended are followed through.
- Ensure that accounts within your portfolio that have post approval terms including covenants, conditions, risk triggers are complied with. Otherwise, all breaches are to be brought to the attention of the Head of Credit for remedial action.
- Ensure daily monitoring of Exceptions (limit excesses and other non-compliance with approved conditions).
Minimum Education Qualification & Work Experience:
Minimum of Bachelor’s degree in business related subject or its equivalent.
Minimum of 3 - 8 years banking experience with not less than 1 year in core credit operations in banking industry.
Required Competencies (Knowledge, Skills & Abilities):
- Demonstrate a proven ability to analyse credit proposals.
- Understanding of business trends
- Understanding credit risk management trends in the financial services industry
- Ability to understand and analyse financial & cash-flow statements and make useful deductions for decision-making
- Good coordination skills
- Strong interpersonal and communication skills
- Ability to multitask and function effectively under pressure
- Strong organizational and people management skills
Note: Deadline for this job posting is Tuesday 27 January 2026 at 5:00pm and only shortlisted candidates will be contacted
What We Do
I&M Bank is a wholly owned subsidiary of I&M Group PLC, a publicly quoted company at the Nairobi Securities Exchange (NSE). The bank possesses a rich heritage in banking. Started in 1974, it evolved from a community financial institution to a publicly listed major regional commercial bank offering a full range of corporate and retail banking services, over 50 branches in Kenya and international operations in 3 other countries.
I&M Bank is a dominant player in the Kenyan market that has been consistently growing, and is innovative in terms of the type and range of products and services it offers.
CDC Group plc, a development finance institution wholly owned by the government of the United Kingdom owns approximately 10.68% of I&M Group. In addition, I&M Bank has a technical support agreement with International Finance Corporation for staff training, product development and risk management. I&M Bank also enjoys medium term foreign currency credit facilities from European Development Financial Institutions - Proparco, DEG and FMO.
I&M Bank’s international correspondent banks include major multinational banks such as Bank One Ltd, Citibank NA, CommerzBank AG, Deutsche Bank AG, ICICI Limited Mumbai, Mashreq Bank PLC, Standard Bank of South Africa and Standard Chartered Bank NY.
I&M Bank’s international network includes Bank One Limited (Mauritius), I&M Bank Tanzania Limited, I&M Bank Rwanda and I&M Bank Uganda
