Corporate Credit Manager

Preferred Education & Experience

• University degree in any of the following fields: Commerce, Accounting, Economics, Statistics, Business Administration, Finance or another business related fields.
  

• A relevant master’s degree and/or related professional qualification will be an added advantage e.g. Certified Public Accountant (CPA), Association of Chartered Certified Accountants (ACCA), and Chartered Financial Analyst (CFA) etc.
  

• At least two (2) years of acceptable work experience in an accounting/finance-related field.
  

• Experience in commercial lending (Origination, credit analysis and credit risk structuring of transactions covering multiple industry sectors) will be of added advantage
  

Accountability: Origination, Credit Risk Assessment & Deal Structuring

• Preparation/submission of high quality credit applications along with appropriate supporting information and clear recommendations to the accountable credit sanctioning team for quick decision making. Ensure that the CCRS FLAM is complete and accurate.
  

• Facilitate preparation and analysis of financial spreadsheets/models to support analysis of new and existing credit applications
  

• Monitor and Control quality of portfolio using ‘Condition of Sanction’ triggers where possible and in accordance with internal guidelines and policies – Discussing with Sanctioner trigger events if they give cause for concern, advising the Relationship Manager simultaneously
  

Accountability: Business Risk

• Work in partnership with Relationship Managers on new and existing credit applications, providing guidance on credit appetite and consulting with Credit team as appropriate
  

• Support growth consistent with the Bank’s strategy aligned risk appetite, in partnership with business teams whilst adhering to agreed service level agreements
  

• Work in partnership with colleagues and proactively anticipate, respond to and seek to exceed the expectations of customers.
  

Accountability: Portfolio Management, Monitoring & Control

• Ensure that all lending activity and duties within assigned portfolio activities and duties are carried out in full compliance with internal and regulatory policies, standards and procedures.
  

• Responsible for managing customers’ credit files and validating authenticity of information produced by customers.
  

• Responsible for managing the end to end process for risk reporting, covenant testing, breach reporting and challenging relevant stakeholders where control lapses or potential risk has been identified
  

Accountability: Team Dynamics

• Work in partnership with Relationship Managers, Product Teams, Credit Risk and Legal Teams to help drive business strategy, provide advice, identify opportunities and deepen client relationships.
  

• Actively participate and/or facilitate ‘lessons learnt’ sessions for the coverage teams
  

• Coach Credit Analysts on Credit origination processes.