Academic Qualifications:

• Bachelor’s degree in business or a related field from a recognized Institution.
  
• Professional Banking or Accountancy qualifications will be an added advantage.
  

Work Experience and Core Competencies:

• At least 7 years relevant experience Credit unit of the Bank with at least 4 years in a supervisory capacity.
  
• Excellent knowledge of all Retail Banking products.
  
• Ability to write comprehensive reports.
  
• Excellent communication and interpersonal skills.
  
• Strong people-management skills.
  
• Advanced financial risk analysis skills.
  
• Advanced credit risk management skills.
  
• Excellent problem solving and decision-making skills.
  
• High level of people management skills.
  

• Oversee review and approval of Retail & MSE Loans and Credits Cards Credit referred to credit by the scoring systems.
  
• Oversee credit risk assessment and sanctioning of non-scored Retail & MSEs Loans and Credit Cards.
  
• Manage the Retail underwriting team to ensure reviewed applications are within policy guidelines and delegated authority.
  
• Ensure Turn around Times are met as per service Level Agreements.
  
• Ensure robust tracking and monitoring for optimum underwriters’ productivity levels.
  
• Training Credit staff, Management Trainees and Frontline staff on credit appraisal and the general parameters for Retail credit products.
  
• Approval of facilities within delegated authority.
  
• Ownership of governance within the Retail underwriting unit.
  
• Review of processes within the unit to ensure they support the business aspirations.
  
• Coordinate the process of movement of applications and advising credit decisions between branches and approving authorities.
  
• Preparing Credit proposals that need Credit Committee approvals.
  
• Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio.