KEY RESPONSIBILITIES

Financial Perspective (25%)

• Execute Credit underwriting/approvals function in line with Bank Credit Strategy and the overall Bank growth strategy.
• Review and Recommend modifications in the Credit Policies and Credit Procedures Manual as new processes are identified or as processes are modified.
• Ensuring quality reviews of credit proposal within best practice and banks policy Ensure credit risk exposures are managed within the established limits appetite and standards.
• To support branches under partnership arrangement and ensure utmost and enhanced approval rate.

Customer and Markets (25%)

• Undertake timely review of credit application within stipulated turnaround time
• Oversee daily review loan workflow in the system (when available) to assess the number of loan applications received, the turnaround time of every step in the process e.g., analysis/approvals of TODs, Credit applications, Waivers, Early Draw Downs etc. etc.
• Conduct random review of the credit files to make sure that prescribed standards being adhered to.
• Review and sign all Credit Approvals loan reports prior to distribution for accuracy and completeness.
• Providing input for the development and review of credit process and related credit projects/credit products 6. To undertake branch visits and client visits as per business needs.

People Management (25%)

• Evaluate the performance of the staff in the unit.
• Maintain good coordination between the Credit Approvals, other credit units, Legal department, business development team and Head of Credit
• Ensure commensurate training of all Credit Approvals staff in new or modified credit procedures, forms, credit policies.
• Prepare the annual performance unit agreements to be presented to the Head of Credit for integration into the bank’s overall annual plans.

Sustainability (25%)

• Credit Policy Manuals, Departmental Operating Instructions, prudential guidelines and SLAs.
• Banks Anti Money Laundering Policies and Procedures in conformity with defined standards and guidelines.
• Other internal and external regulatory requirements.

KEY RELATIONSHIPS

Direct Reports to this Position

• Credit Analysts/Approvers.

Knowledge; Skills and Experience required for this Role

• 5 years’ experience in banking and at least 5 years in a lending function
• Bachelors degree in an Analytical/Business related field
• MBA or MSc. in business related course.
• CPA or relevant professional qualification.
• Excellent Communication skills.
• Experience in Credit Evaluations including Complex Credit and Structuring.

Competencies Required for this Role

• Experience or sound understanding of credit risk and the techniques of financial analysis
• Knowledge of relevant lending products
• Strong credit analytical skills including business plan analysis, numerical and financial analysis and interpretation
• Key understanding of regulatory and legal environment

Problem Solving

• Analytical and methodical
• Decision making
• Organization.