Key Responsibilities

• In charge of Credit underwriting process and chair of the Branch Credit Committee (B.C.C).
  
• Responsible for all credit reports such as PAR analysis, Portfolio distribution. reports, monthly credit reports, and any other information required by the Branch Manager.
  
• Co-ordinate perfection process from branch through head office and legal Department.
  
• Monitor adherence to the Bank SLA with various stakeholders along the credit process.
  
• Enforce compliance to all credit policies and procedures and other regulatory Policies at the branch.
  
• Overseeing proper customer records and documents management in the branch.
  
• Verification of branch system transactions relating to credit activities.
  
• Proactively support the Relationship Manager - Business in managing portfolio quality and minimize delinquency.
  
• Credit Evaluation: Assess and evaluate loan applications to determine creditworthiness and risk.
  
• Decision Making: Approve or recommend credit decisions within delegated authority limits.
  
• Customer Service: Provide excellent customer service by addressing client inquiries and resolving credit-related issues.
  
• Reporting: Prepare and present credit reports and analysis to senior management.
  
• Training: Provide training and guidance to branch staff on credit policies and procedures.
  
• Liaison person between the branch and regional office credit function.
  
• Perform any other duties as assigned from time to time.
  

Qualifications, Experience & Competencies

• Bachelors’ Degree in a finance or related field.
  
• At least 8 years of relevant working experience, with 3 of these having been in a Credit admin role.
  
• Thorough understanding of the Bank’s Lending strategy across various segments/sectors.
  
• Proven Credit Risk Management track supported by good underwriting skills.
  
• In-depth understanding of credit risk assessment, loan processing, and regulatory requirements.
  
• Relevant certifications in credit management or banking are a plus.