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Credit Risk Manager

Closing: Nov 30, 2022

This position has expired

Published: Nov 23, 2022 (9 days ago)

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Job Summary

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The purpose of the job is to provide effective leadership to the Credit Analysts, Credit Officers staff and manage all aspects in the entire bank in Retail & SME Banking, Corporate Banking, and other SBUs in order to deliver acceptable levels of quality of loans and advances and provide high quality services within the agreed service levels.


Responsibilities
The purpose of the job is to provide effective leadership to the Credit Analysts, Credit Officers staff and manage all aspects in the entire bank in Retail & SME Banking, Corporate Banking, and other SBUs in order to deliver acceptable levels of quality of loans and advances and provide high quality services within the agreed service levels.


  • Risk analysis of any new entrants for service provision for the bank and any investments that the bank would want to invest.
  • Liaising with the credit analysts at the service outlet to ensure quality proposals are provided to enable management reach a quality decision.

  • Ensure that there is coordination between all units of the bank i.e. Retail & SME Banking, Corporate Banking, other SBUs.

  • Manage day-to-day credit requests, operations and risks

  • Procure approvals through preparation and presentation of credit proposals (Project Finance Facilities, Mortgages Facilities, Asset Finance Facilities, Trade Finance, Agri-based Facilities, SME & Retail Facilities, Digital Facilities etc) to both the Executive Credit Committees and the Board Credit Committees.

  • Review and structure requests for non-funded facilities (Letters of Credit & Guarantees)

  • Support the Bank’s Debt Recovery Unit to ensure that requests relating to delinquent facilities e.g. interest stoppage, restructuring and refinancing, are processed in good time.

  • Reviewing of offer letters for Facilities approved and ensuring that the conditions of sanctions that binds the Borrower have been captured correctly.

  • Work closely with the Legal Department and the Credit Administration Department to ensure that timely due diligence and security perfection is done, and that all post sanction conditions have been met prior to disbursement of facilities.

  • Monitor legal and regulatory developments that impact risk and lending processes and ensure the Bank is in compliance with local and international (where applicable) regulatory requirements

  • Research and obtain sufficient and appropriate information for evaluating business risk.

  • Maintain financial information on loans and advances accounts including financial covenants, spreads and interim reports.

  • Ensuring implementation of effective controls over the credit process to ensure a robust control environment.
  • Proactively review credit facilities/risks and advise Head of Credit & Legal on the findings. Proactively improve the Bank’s credit portfolio through continuous and never ending improvement.


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