Description:
\nJob Purpose
\nThe Credit Manager will be responsible for reviewing all internal and external regulatory and ad-hoc financial reporting and information returns on the Bank\u2019s lending activities. Custody and enforcement of Credit Policies and Frameworks. Ensure that the Bank is compliant with regulatory requirements in its lending activities. Optimize the Banks sales and reduce bad debt losses by maintaining the credit policy. Oversee the assessment of the creditworthiness of potential corporate customers and conduct periodic reviews of existing customers.
\nSummary of Key Responsibilities;<\/p>\n
Assessing the creditworthiness of commercial and personal bank customers. An individual in this role must have great attention to detail, as well as in-depth knowledge of continually evolving credit scoring and financial services products.
\nTake the lead in creating credit scoring models and negotiate loan terms with new and potential clients.
\nManagement of internal and external audits and the resolution of audit findings.
\nTake ownership of audit action log, resolving outstanding findings. Audit facilitation and liaison between internal and external auditors.
\nOversight of collateral custody processes and control. Management of disbursements of credit facilities in line with sanction terms and policy, including fee collection oversight.
\nReview of all Central Bank Prudential returns.
\nRegularly updating Credit Policies and Frameworks to be in line with best practices as well as evolving business products and strategies.
\nCreating credit scoring models for risk assessments.
\nMastery, interpretation and application of the Banking and Financial Services Act, Statutory Instruments, Circulars and publications governing Credit Activities.
\nNegotiating the terms of the loan with new corporate clients.
\nBoard Pack preparation oversight, extends to ensuring action items are addressed, resolved and reported.
\nEnsuring all loans and lending procedures comply with regulations.
\nPeriodically review and update the Bank\u2019s credit policy.
\nManagement of diary for monthly Management Credit Committee meetings, including circulation of pack and minutes.
\nManagement of processes around disbursements of credit facilities in line with sanction terms and policy.<\/p>\n
Job seeker resources
\nRequired Skills and Personal Attributes<\/p>\n
Excellent communication skills (Written & Oral)
\nPay Attention to detail
\nExceptionally analytical skills
\nAbility to Interpret complicated financial data
\nExcellent organizational skills
\nExcellent Interpersonal skills
\nExcellent Negotiating skills
\nExcellent Time skills<\/p>\n
Primary Areas of Accountability:<\/p>\n
Qualifications and Experience\u00a0<\/p>\n
Degree in Accounting, Finance, Banking, Business Management, or a similar field
\nA Masters in any of the above fields will be a plus
\nMust have at least a\u00a0minimum of 10 years experience as a Credit Manager, Senior Credit Analyst in a Credit Environment of a Leading Commercial Bank or well-established Microfinance Institution\u00a0
\nMust be well-vested in\u00a0Credit Analysis, Evaluation and Control Management
\nAbility to work with most Credit management software
\nMust be experienced in working with sensitive financial information
\nGood understanding of lending procedures
\nMust have an in-depth Financial Analysis
\nMust be a people-person, with good interpersonal communication skills.
\nShould understand the lending procedures.<\/p>\n
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