POSITION DESCRIPTION
JOB TITLE: MANAGER INTERNAL CONTROL – BRANCH CREDIT
OPERATIONS
REPORTS TO: HEAD INTERNAL CONTROL
JOB PURPOSE
• The Manager Internal Control – in charge of Credit Operations is
responsible for designing, implementing, and continuously
strengthening the internal control and compliance framework for all
credit-related activities performed at the branch network (credit
origination, appraisal, approval delegation at branch level,
documentation, disbursement, monitoring, and early delinquency
management). The role ensures full adherence to the Bank’s credit
policy, regulatory prudential guidelines, and best-practice lending
standards while minimizing credit process risks, preventing policy
breaches, and protecting asset quality.

KEY RESPONSIBILITIES /KEY DELIVERABLES
• Execute the annual Branch Credit Control Assurance Plan approved by
the Head – Internal Control and aligned with the Combined Assurance
Framework.
• Conduct regular credit process reviews, pre-disbursement checks,
post-disbursement verifications, and thematic reviews across the
branch network to identify control gaps and policy deviations.
• Monitor and analyze Key Risk Indicators (KRIs), Key Control SelfAssessments (KCSAs), credit exception reports and early warning
signals originating from branch credit activities.
• Perform root cause analysis on credit process failures, policy breaches,
documentation deficiencies, irregular disbursements, and early
delinquencies; ensure sustainable remedial actions are implemented
and tracked.
• Track and validate closure of all branch credit-related findings from
Internal Audit, Regulatory Examinations, External Auditors, and other
assurance activities.
• Review and test adherence to approved lending authority limits,
delegation of authority, and separation of duties in branch credit
origination and approval processes.
• Perform regular reviews of credit files, security documentation,
valuation reports, insurance, and perfection status to ensure
completeness and compliance before and after disbursement.
• Coordinate with Credit Administration and Business Technology to
implement and monitor automated credit controls, workflow
exceptions, and straight-through-processing safeguards.
• Identify training needs and deliver (or coordinate delivery of) targeted
credit policy and control training for branch credit staff and managers.
• Provide practical guidance and support to Branch Managers and
Branch Business Managers on credit policy interpretation, control
weaknesses, and risk mitigation.
• Lead or participate in investigations into allegations of credit fraud,
collusion, policy override, or irregular lending practices at branch level.
• Conduct periodic reviews of branch credit portfolio quality indicators
(PAR, Excesses, exceptions, concentration risks) and escalate material
issues promptly.
• Contribute field insights and emerging risks from branch credit
monitoring to the periodic review and enhancement of the Bank’s
Credit Policy and procedures.
• Contribute field insights and emerging risks from branch credit
monitoring to the periodic review and enhancement of the Bank’s
Credit Policy and procedures.
• Prepare accurate and timely credit control dashboards, trend reports,
and management updates for the Head – Internal Control and senior
management.
• Manage, coach, and develop the team of Branch Credit Internal Control
Supervisors to achieve high performance and readiness for succession.

BUSINESS BEHAVIOURS
§ Passion: Committed to excellence, delivering outstanding results and
making a positive impact on our customers and stakeholders.
§ Teamwork: Collaborates, mutual respect, and diverse perspectives, to
achieve shared success and deliver greater value to the Bank.
§ Integrity: Uphold honesty, transparency, and accountability, ensuring
ethical practices in every action.
§ Innovation: Embrace creativity and forward-thinking, continually seek
new solutions to enhance customer experience and drive business
growth.

QUALIFICATIONS, EXPERIENCE AND COMPETENCIES REQUIRED
• Bachelor’s degree in a discipline relevant to the role.
• Professional qualification or training in Risk management or
Compliance.
• A master’s degree or Membership of a professional body in a relevant
field will be an added advantage.
• Minimum 6 years of banking experience, with at least 4 years
specifically in credit (origination, appraisal, administration, or credit
risk) within a branch or regional environment.
• At least 3 years in internal control, loan review, credit audit, or
operational risk roles focused on lending processes and in a
supervisory/managerial capacity.
• In-depth knowledge of the Bank’s Credit Policy, Central Bank
prudential guidelines, IFRS 9 impairment rules, and collateral
management requirements.
• Proven hands-on experience in credit file reviews, documentation
checks, disbursement controls, and early delinquency management.
• Strong understanding of fraud schemes in lending and related red
flags.
• Experience with credit workflow systems, loan origination systems,
and automated control tools.
• Excellent analytical skills with the ability to assess complex credit
transactions and identify control gaps.
• Superior leadership, coaching, and stakeholder management
capabilities.
THE FOLLOWING DOCUMENTS SHOULD ACCOMPANY THE
APPLICATION
§ Cover letter, Detailed CV, and Copies of academic documents all as
one file.

MODE OF APPLICATION
§ Online applications addressed to Chief People & Strategy Officer,
Pearl Bank Uganda.
§ Send application to hr@pearlbank.com with job title as subject.
§ Closing Date: Friday 9
th January 2026 at 5:00pm.
§ Only shortlisted candidates will be contacted.
Pearl Bank Uganda Ltd is an equal opportunity employer