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• Review and sanction all proposals (new and existing) presented
  within personal discretion (< USD 50,000) in adherence with dfcu’s
  internal credit policies, Risk Management Control Document (RMCD) and
  other required regulations including BoU, FIA and funders.
• Assessment and recommendation of files outside holders discretion to
  senior credit manager and manager credit approval team, or head of credit
  all in a bid to achieve the banks disbursement targets of quality deals.
• Exercise judgment and discretion in the evaluation and
  approval/recommendation and decline of higher risk classification credit
  proposals to manage portfolio quality and income growth.
• Provide feeds into business and credit policy to make a robust
  credit policy tool.
• Provide support in structuring proposals to minimise risk and ensure
  full repayment. Timely response on sanctioning of deals and excesses
  within agreed Service Level Agreements (SLA.
• Train and coach the Business Analysts as well as Relationship
  Managers in credit assessment/ analysis, deal structure, policies and
  procedures. Conduct road shows on credit underwriting criteria for staff
  in the Credit value chain to uphold quality of deals booked
• Monitor the overall quality of the PB/BB portfolio, through participation
  in governance meetings.
• Collate and conduct road shows on sector specific information in
  order to aid assessment of clients in these sectors i.e. Education, Oil
  and Gas, and Financial Services.
• Responsibility for personal adherence to governance, compliance and
  lending portfolio controls to ensure compliance to both internal and
  external regulations.
• Grow the bank’s Credit Culture and awareness both in Credit and
  Business.
• Review and adherence to service level agreements between PB and BB
  annually to ensure customer get timely feedback on applications.
• Review and maintain business continuity through Close partnership
  with other Senior Credit Managers to ensure sufficient cover while away to
  ensure business continuity.

• Personal lending authority of limit of USD 50,000
• PB and BB disbursement target as per the annual budgets
• 100% compliance with dfcu’s internal credit policies, FIA, BOU
  guidelines for all deals disbursed [exceptions fully mitigated]
• Turn-around-time and first-time-right processing of applications
• Non-Performing Assets ratio < 4.5%
• Portfolio at Risk < 15%

• The applicant for the DFCU Bank Credit Manager – Personal and
  Business Banking job placement must hold a Bachelor’s degree with a bias
  in any of the following areas: Finance, Banking, Economics, Business
  Administration or similar degree in these fields.
• Additional training/professional qualification in Business,
  Investment and project appraisal, Risk management, financial analysis.
• Credit certification.
• Five years of experience in a business or banking/financial services
  environment with at least 2 in Credit risk management /sanctioning.
• Thorough understanding of dfcu credit policy, FIA and BoU guidelines
  on asset quality.
• Analytical and problem solving skills.
• Good communication skills (both oral and written) to allow for
  effective teamwork and interact with all levels of staff.
• Computer knowledge (Microsoft desktop products.
• Basic legal skills.
• Managerial and team building skills
• Ability to work without supervision, driven enough to achieve set
  targets.
• Knowledge on Personal Banking and Business Banking clients’
  behaviour.
• Awareness of business issues and current economic/market trends.

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