• Reviewing, validating and polishing of loan proposals in consultation with the branch team, as assigned by Head Credit. • Presenting loan proposals to the Head Credit, ensuring that they are appropriately assessed and compliant to Yako Bank’s policies and procedures. • Ensuring that the loan decisions and recommendations are appropriate in terms of loan amount, structuring, eligibility criteria in respect to Yako Bank’s exclusion list, completeness and accuracy of personal business, security and financial information. • Doing pre-approval check listing of the loan proposals to confirm completeness and compliance to regulations, policies and procedures while recommending suitable covenants to mitigate identified risk. • Evaluating clients’ credit data, financial statements and savings records in order to determine the degree of risk involved in lending money to them, and advise on the most suitable structures for their needs. • Evaluating the financial status of prospective borrowers by preparing and providing appropriate comments as to the significance of to the outcomes of financial analysis and ratios, using standard financials templates available. • Preparing detailed write-up for loan proposals to the Management Credit Committee or the Board Credit Committee depending on the approval limit. • Create Credit mirror files for all facilities in an accurate orderly manner with the relevant documents. • Undertaking risk analysis and exercise proper judgment in the face of the assessed risk, conducting Credit rating, profiling, before recommending loan proposals, always ensuring to safeguard Yako Bank from credit risk. • Responsible for quality of credit underwriting, identify the risk management requirements and possible counter measures. • Identifying areas of weaknesses, highlight cases of compromise in proposals received from branches and recommend training and/or corrective action. • Ensuring fast Turn-Around Time (TAT) for loan decisions logged to the Credit Department, and along the whole loan process continuum, end-to-end for the branches. And prepare pipeline updates/ reports with weekly TAT trends for remedial action.

• The ideal applicant must hold a Bachelor’s Degree in Commerce, Accounting, and Business Administration, Statistics or any other business related course. • At least two years of work experience as a Credit Supervisor within Banking or Microfinance Industry. • Excellent at Employee Engagement. • Result Orientated. • Good at collaboration. • Excellent communication and presentations skills. • High level of numeracy, analytical and statistical skills. • Strong organizational skills and ability to work on own initiative. • Good multitasking capabilities and being a team player. • Ability to work under pressure and adhere to strict deadlines. • Good interpersonal skills. • Good business acumen, knowledge of the market and ability to align work with strategic goals. • Must have Integrity, ability to inspire the trust of others.

Suitably qualified candidates should address their application to: Human Resource & Administration Manager Yako Bank, Forest Mall Lugogo, Kampala, Uganda Submit the application via email to: Email: hr@yakobank.com Include photocopies of academic testimonials and a CV. The CV should include telephone contacts and email addresses of three referees, one of whom should be the most recent employer. Closing Date: 12th May 2025 Note: Only shortlisted candidates will be contacted. Please note that in line with the Bank procedures, no job offers are made online.