Credit Manager

The purposes/main accountabilities for this role are in the following tasks:

• Works with other stakeholders to establish an appropriate strategy and enabling policies in support of the business strategy for all lending products.
• Works with other stakeholders to set up/upgrade the risk infrastructure (people, systems, etc.…);
• Supporting appropriate policies for different customer segments, allowing the sales team to enter approved target market segments.
• Review credit products and make appropriate recommendations where product is leading to high losses.
• In partnership with the business, take the responsibility for the credit performance.
• Provide hands-on training to the risk management and business teams.
• Work with the stakeholders to deliver the results within the risk governance framework.
• Work with the Group/Regional Credit, Group Corporate credit and /or Local Board to obtain approvals beyond the approved authority levels of the Country Credit Committee (BCC).
• Ensure credit risk management in the credit processes that maintains the banks’ exposure within set internal parameters
• Manage the credit risks associated with lending, transactional banking, trading, and investment activities, with the primary objective of assessing and managing risk within acceptable parameters.
• Provide high-quality analyses of credit facilities with appropriate recommendations to approving committees of the Bank. Present credit applications to credit committees when required.
• Provide effective monitoring of the risk grade of credit facilities. Make recommendations to management and credit committees regarding credit applications.
• Identifying high risk credit accounts and undertake the necessary corrective action.
• Contribute and guide management in the formulation of the bank’s credit strategy. Make recommendation to management and credit committees regarding industry trends, their implications and appropriate actions to take.