The Credit Analyst is a member of the Credit Department and is responsible for credit underwriting and credit administration. She/he is responsible for accurate analysis of loan proposal and credit authorization or recommendation, in compliance with Yako Bank’s policies and procedures.

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. more

The job holder will be responsible for creating institutional awareness brand loyalty, visibility of the bank through social media, and managing real-time interactions whenever the need arises. This will improve and increase the bank’s digital footprint locally and in the region at large. To provide innovative digital communication support to the Bank across various platforms to ensure timely and... effective engagement of Stakeholders.

Develop media content for all the Bank’s online platforms
Manage all digital stakeholder engagements for the bank
Manage relationships with digital contractors and suppliers
Prepare and distribute electronic communications including e-promotional materials, e-invites, and information updates for the bank activities and events
Provide responses to digital media inquiries.
Prepare digital advertising materials as required in liaison with the Creative Agency
Review market and industry research and present innovative ideas to help drive growth in website traffic and increase user engagement and interaction for the Bank
Conduct regular visits to social media engines and ensure timely issue closure of all queries/inquiries.
Regularly checks the validity of the digital content on all social media platforms and makes timely clarification where applicable
Implement digital communication strategies for the Bank
Manage and update content on the website and other Bank digital platforms
Develop program management schedules to ensure real-time updates of news, events, and activities of the bank more

The Risk Manager will oversee the organizations comprehensive risk management program, assessing and identifying risks that could impede the reputation, safety, security, or financial success of the organization.

Identifying and analyzing various risks (e.g., Operation, Market, Credit, People risk)
Developing risk management controls and contingency plans
Conduct assessments to define and... analyze possible risks
Evaluate the gravity of each risk by considering its consequences
Oversee that Internal queries raised by branches and external queries raised by customers, regulators and correspondent banks on AML matters.
Audit processes and procedures
Develop risk management controls and systems
Oversee the annual KYC review of High-risk customers, review their transactions continually to validate authenticity.
Conduct annual KYC renewal for all counterparties and correspondent banks.
Conduct risk assessments for any new products.
Ensure compliance to regulatory requirements through continuous monitoring.
Review transactions processed from money transfer services and prepare respective reports.
Design processes to eliminate or mitigate potential risks
Create contingency plans to manage crises in the bank
Evaluate existing policies and procedures to find weaknesses and recommend amendments to board through management.
Prepare reports and present recommendations monthly to Management, quarterly to Board Risk committee and any other as may be required by the regulator.
Help implement solutions and plans
Evaluate employees’ risk awareness and train them when necessary
Perform other duties as may be assigned more

To create and maintain information technology & management strategy in line with stakeholder needs and in keeping up with current best practices in the field of IT.
Review, align, and communicate IT performance, resources, and risk with the bank’s overall business strategy.
To ensure alignment of Information technology and management with established strategies and policies.
Ensure these... policies and strategies adhere to governmental, legislative, and regulatory requirements, as well as internationally accepted standards.
Lead the development of guidelines, standards, policies, and procedures and disseminate them to technology teams in the bank.
To manage the development and implementation of current and future ICT and business-related technology projects. Specifically, to manage: The development plans for ongoing integration, upkeep, and improvement of IT systems.
The management of project and system dependencies at the planning, implementation, and support stages. The sign-off of all project management milestones for IT projects.
To manage the day-to-day operations of IT systems, ensuring that planning, end-user impact, change management, training, and quality management are properly addressed and monitored to ensure that deadlines, budgets, and service levels are met and results delivered.
To manage the relationships with (and between) external vendors and suppliers, ensuring contracts and service levels are negotiated in line with strategic aims and financial constraints and ongoing service is in line with agreed contracts.
To develop and maintain the Major Incident & Business Continuity plan for IT and to implement measures designed to safeguard the information technology and management needs of the Bank in the event of major incidents or disasters.
Organize and implement servicing and support of all Banking IT systems to agreed service level standards.
Takes full responsibility for performance management of all direct reports, focusing on all aspects of sound people management: recruitment, development, performance management, career pathing, on-the-job training, coaching and mentoring, and employee engagement within the precincts of the bank’s human resource plan, policies, and procedures.
Define performance contracts for staff and monitor their performance against agreed standards and objectives, working with them to grow their skills.
To manage the annual Information Management budget and any associated funds. Specifically, to be responsible for the review, audit and prioritization of all Information Management tools, including (in partnership with the Finance Director) the replacement cycle of information technology hardware. more

Responsible for overseeing the development and implementation of Yako Bank Uganda Limited Human resources strategic plan. S/he will be responsible for driving the people agenda including benefits programs, employee relations, compensation structures, HR compliance and reporting functions, organizational structure and development, performance management, culture building, employee recruitment and... retention, staffing, health & safety reviews in alignment with the labor laws and supporting day to day office administration.

Define goals and objectives for the acquisition, retention, and development of human capital for Yako Bank.
Foster a workplace environment consistent with the Vision, Mission, and Values
Drive a culture of high performance across Yako Bank Uganda Ltd.
Develop and implement organizational change initiatives, serving as an internal consultant to the senior management team, supervisors, and employees on personnel issues that affect performance and business relationship.
Develop and recommend an operating budget for the Human Resources department and ensure the department operates within budget allocations
Direct and coordinate the development of policies and procedures to ensure effective management of Human Resources
Ensure that all elements of employee records, benefits files, corporate documents, etc., meet compliance rules and are kept up to date
Carry out regular Human Resource audits and risk assessments and engage all key stakeholders so as to close identified audit risks in a timely manner.
Ensure that all employee information is current in the HRIMS system and that HR staff always work within legislated guidelines.
Responsible for training, development, and knowledge management of the employees.
Keep the organization abreast of industry trends and innovations, seek continuous renewal and innovations in the delivery of services and operating systems
Actively promote employee engagement through cultural change and staff motivation schemes. more

The Business Development Manager will identify and help in developing strategic relationships with partners or potential customers, Manage the product development and sales teams to create the Bank’s product awareness, improve its corporate images, and implement business development initiatives to achieve the bank’s profitability objective.

Grow the bank’s savings portfolio.
Grow the customer... base.
Assume primary relationship management for public sector entities.
Regularly provide feedback for product improvement for competitiveness.
Manage private and public sector business and other business relationships with the bank.
Regularly monitor the performance of all business units and report regularly to the Management.
Plan and execute below-the-line activations for maximum product promotion and uptake.
Plan and prepare presentations to business prospects and key stakeholders.
Equip field staff with sales skills by carrying out training on selling tips. more