About the Organisation

Housing Finance Bank is Uganda's premier financial institution, dedicated to delivering innovative, accessible, and customer-centric housing finance solutions that empower individuals, businesses, and institutions to achieve homeownership and real estate goals.

Renowned for reliability, transparency, and excellence in mortgage and housing finance, the bank fosters a dynamic, inclusive work culture with competitive benefits, professional development, and flexible arrangements. For more details, visit www.housingfinance.co.ug.

Job Summary

The Business Analyst will support the Business & Institutional Banking (BIB) team by preparing high-quality credit proposals, managing customer expectations, and ensuring compliance with credit policies. The role involves deal structuring, portfolio monitoring, financial analysis, and assisting Relationship Managers (RMs) in onboarding and managing key corporate clients.

Roles, Duties, and Responsibilities

Credit Analysis & Structuring

Prepare and review business credit proposals in line with bank credit policies for timely approval
Manage annual credit review process in collaboration with Credit Collections and Relationship Managers
Structure and document credit facilities appropriately, ensuring compliance with internal policies and regulations
Ensure proper deal pricing to maximize revenue and full collection of applicable fees and commissions
Advise RMs on additional income opportunities through account and transaction trend analysis
Prepare memos for facility extensions and restructures as needed
Follow up on facility documentation to confirm compliance with approved terms and conditions

Portfolio Management & Client Support

Monitor portfolio quality, perform risk recognition, and assign appropriate risk ratings to customer relationships
Support RMs in onboarding and managing high-value BIB relationships
Maintain high client satisfaction through proactive issue resolution and continuous engagement
Ensure portfolio documentation is valid, complete, and up to date
Conduct industry and customer financial analyses to identify opportunities and mitigate risks
Support preparation of credit memos, proposals, and board papers as required

Business Growth & Performance

Contribute to new-to-bank client acquisition and lending growth within target segments
Support liability and non-interest income growth through effective portfolio management
Drive profitability by maintaining strong yields and margins on business lending portfolios
Proactively identify new market opportunities and recommend innovative financial solutions

Key Performance Indicators

Credit portfolio quality and compliance
Lending and liability growth
Non-interest and interest income performance
Client satisfaction and retention levels
Timely completion and approval of credit proposals

Qualifications, Education, and Skills

Bachelor's Degree in Accounting, Finance, Commerce, Business Administration, Quantitative Economics, or Statistics from a recognised institution
Additional certification or training in Credit Analysis, Risk Management, or Financial Analysis is an advantage
Experience: Minimum 5 years in financial services, with at least 2 years in credit risk management
Strong understanding of financial statements (P&L, Balance Sheet) and credit structuring
Excellent analytical, problem-solving, and report-writing skills
Proficiency in Microsoft Office applications (Word, Excel, PowerPoint)
Personal Attributes:
- Self-driven, organised, and able to perform under pressure
- Strong communication and interpersonal skills for diverse stakeholders
- Results-oriented with sound judgement and decision-making
- Team player with proactive, customer-centric approach
- Adaptive to changing market conditions and emerging opportunities