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Job Ref : CRD 1.0

• To provide oversight for the Credit Department as regards set
  policies, operational and HR matters.
• To plan, set goals and budget forecasts for the Credit Department
  in consultation with the Executive Director, Operations.
• To initiate Credit Policy Changes and reviews in conformity with
  the prevailing market and economic conditions and in line with good
  banking practices.
• To review, appraise and/or approve loan facilities as provided
  for and in accordance with the Credit Policy as approved by the Board of
  Directors
• To manage the recovery of delinquent credit facilities in liaison
  with legal Department in the event of foreclosure.
• Ensure fees and penalties applied have been effected.
• To ensure operational efficiency of Credit Department in order to
  keep within the Bank’s set policies and guidelines.
• Ensure efficient turnaround time for all loan applications
  according to agreed targets and Service Level Agreements (SLA’s).
• To ensure that the Credit function is performed in accordance
  with the Financial Institution Act 2004 and the Bank’s Credit Policy.
• Research, analyze, and propose sector exposures and limits taking
  account of the prevailing and forecast economic and financial conditions.
• Provide accurate reporting to management and the board in order
  that decisions are taken with account of risks involved.
• Ensure the integrity of the credit evaluation process with regard
  to the approved risk grading model.
• Ensure the Bank acts as a responsible corporate institution with
  regard to the environment and corporate social responsibility standards.
• Continually review Sectoral ceilings, discretionary authorities,
  portfolio measures, including industry limits, tenor limits, risk rating,
  NPLs, risk acceptance criteria security acceptance and credit risk
  matrices.
• Ensuring that provisioning policies are in line with the Bank’s
  Credit Policy Document, comply with Banking Act and Prudential Guideline
  provisions and co-ordinate with Finance Department to ensure appropriate
  provisions and interest suspensions are effected in the Bank’s accounting
  systems.
• Management of the Credit Appraisal system, ensuring that
  appropriate reviews of Credit proposals are undertaken on a timely basis.
• Ensure continued maintenance of a quality portfolio in line with
  Bank’s standards as stipulated in policy guidelines.
• Implementation of new and effective dimensions on portfolio risk
  management especially in line with Bank’s growth strategy.
• Implementation of automated processes to minimize manual
  interventions thereby increasing efficiencies in delivery of credit
  products at both personal and corporate lending levels.
• Provide ongoing relevant training to all bank staff involved in
  lending business to address identified skill gaps by transferring skills
  through job training, coaching, mentoring and ensure harmony among the
  team to improve performance.
• Identification and management of the sub standard and non
  performing assets portfolio of the Bank in line with the Credit Policy
  Document and recommend action to EXCO and the Board, which minimize losses
  and facilitate full recovery of any exposure taken by the bank.
• Initiate review of industry and sector economic analysis and
  compile statistical information including macro-economic information,
  indices and provide feedback to the Senior Management Team, EXCO and the
  Board on the possible impact of identified trends.
• Provide technical support to the Executive Committee on the
  management of the Bank’s credit portfolio and the review and approval
  process for credit proposals.
• Management of the credit administration aspects of the portfolio,
  including ensuring that all requisite security documentations are in place
  prior to disbursements.
• Organize, manage and motivate the available human capital within
  Credit Risk Management Department through establishment of suitable
  organization structure and implementing development programmes to optimize
  competence and productivity.
• To perform any other duties assigned by management to achieve the
  Bank’s objectives.
• Review and maintain business continuity through robust succession
  plan for the department for smooth flow of business operations and ensure
  cover in the face of unplanned interruptions, losses or absence of staff.
• Monitor the performance of the team through periodic performance
  reviews and ensure that staff are performing to expectation, according to
  agreed targets and identity and address areas of improvement.
• Evaluation and implement appropriate remedial strategies such as
  restructuring of loan facility, enhancement in credit limits or reduction
  in interest rates to help to help improve obligor’s repayment capacity and
  avoid litigation.

• University degree preferably in Accounting, Finance or Management
• Associate of Chartered Institute of Bankers (or equivalent)
• A minimum of five (5) years experience in Credit Risk Management
• A minimum of five (5) years experience in General Management
• A minimum of three (3) years Banking experience
• Proficiency in Computer packages (incl. EXCEL and WORD)
• Communication skills
• Basic Legal knowledge
• Financial Risk Analysis skills
• Analytical, problem solving and decision making skills
• Leadership skills

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