Key Responsibilities
To maintain the quality of check off loans’ portfolio
through effective loan administration, monitoring and control for corporate and
mortgage loans.
Be the custodian of all credit and lending policies
and governance frameworks including their periodic reviews and updates.
Manage credit information sharing with the CRBs a in
line with the CRB regulations Act.
Reviewing, developing, and implementing credit
policies and strategies and ensure that the Bank maintains a sound loan
portfolio with respect to compliance with state laws and regulations, Bank
lending policies and procedures, risk appetite and best practices.
Ensure adherence to risk management framework in
identifying, controlling, monitoring and reporting of all risks. Work with
respective unit heads to drive the development and execution of the Business
Continuity Plans (BCP) and operational risk and implement effective control
measures and monitoring plans for compliance and operational risk management.
Ensure the portfolio management controls for grades
10 and 20 are effective at branch level and at regional portfolio management
office level.
Lead periodic reviews of credit portfolios to mitigate exposure to non-performing facilities.
Ensure the Business teams under Retail Banking and
Corporate Banking Credit authorities adhere to the policy regarding the credit
authority discretions and excess.
Generate Management information reports for control
of the credit portfolio for the bank and for regulatory purposes.
Maintain the SLA standards for credit information
sharing complaints raised by customers.
Monitor the construction loans to ensure that the
conditions precedents are complied with.
Preparation and submission of management and
regulatory reports.
Provide via sampling and testing and oversight, both
a point in time and forward view of individual portfolio trending and
remediation’s to either preserve or enhance asset quality, risk management and
risk appetite.
Develop a working relationship with business unit
team leaders to highlight the key credit issues facing the area or product
under review and helping to provide executive solutions to improve asset
quality, risk management and problem debt identification.
Review and implement the Environmental and Social
Management System (ESMS) policy and procedures by integrating them in the
bank’s internal credit process and ensuring that environmental and social due
diligence (ESDD) is undertaken for investment projects as per agreed
performance standards and international best practices.
Identify gaps, plan, design and co-ordinate the
implementation of comprehensive credit training, operational risk, and
compliance programs in consultation with HR Learning and development department
and Risk Division.
Co-ordinate the implementation of agreed action
plans, tracking and timely closure of identified credit audit and operational
risk issues.
Keep abreast of financial industry laws and
regulations, emerging global banking trends and best practices relating to
credit and provide regulatory expertise.
Provide support to subsidiaries in reviewing and
implementation of their credit policies and processes.
Qualifications
Academic & Professional
Education
Bachelors Degree Business
related RQ
Professional Qualifications
Accounting or business related RQ
Master’s Degree Business
Administration AA
Experience
Total Minimum No of Years Experience Required
10 years
Detail Minimum No of
Years Need Type[2]
Credit management 10
ES
Credit administration 8
ES
Credit/lending policy development and
management 5 ES
Lending products development 5
ES
People management 8
ES
Stakeholder management
8 ES
Credit data analytics and analysis tools
5 ES
Bank operations 5
ES
Customer relationship management
5 ES
How To Apply
