The Manager Credit Risk is responsible to assist the Senior Manager & Head of Credit Risk & supervise the Credit Underwriting Team for the evaluation of credit application processing and approval and make changes to ensure the financial stability of the organisation while ensuring timely submission of regulatory and other reporting's. The Manager shall also be responsible for carrying analysis of credit proposals and make appropriate recommendations to the various Credit Sanctioning Committees.

KEY RESPONSIBILITIES:

·        Review analysis of loan/credit applications or renewals and recommend for decision to the relevant credit sanctioning committee within the defined timeframes.

·        Ensure credit evaluations are complete and of the highest standard.

·        Ensure that the bank complies with all relevant regulations and internal policies and report any deviation as appropriate.

·        Assist in developing and executing analytical initiatives across the credit business and produce sound recommendations to increase profitability.

·        Submit and debate on credit files at the relevant credit sanctioning committees.

·        Disseminating the corporate culture by promoting the values of the organization.

·        Undertake training of staffs in credit related matters.

·        Organize the sharing and dissemination of experiences and lessons learnt among team members

·        Promote self-development and continuing personal developments.

·        Coach/mentor and motivate team members to ensure Employee Engagement Level.

·        Be responsible for the health and safety of all staffs in the department, promoting safe working practices and taking action where necessary.

·        Cultivating awareness and keeping updated on credit risk related matters on both the local and international scenes.

·        Approving, reviewing and maintaining up to date credit scoring systems.

·        Keep informed of all changes in relation to Risk related procedures.

·        Contribute to reviewing and keeping the Credit Risk Policy (CRP) and other credit related policies updated.

·        Monitor and report on a monthly basis on service level turnaround time against agreed targets as per SLA.

·        Efficiently manage office data, files and records.

·        Prepare reports for management in relation to all credit related matters.

·        Submission of regulatory reports in a timely manner as per set deadline by regulators.

·        Appraising requests by order of priority taking into account set KPI.

PREREQUISITES:

·        Degree or Post Graduate Qualification in Banking or any field accepted by the bank

·        Over 5- 7 years of work experience in Banking or Finance industry inclusive of 3-5 years of experience in credit underwriting as credit underwriter

·        A detailed knowledge of the requirements of the more sophisticated customers

·        A broad understanding of policies and strategies within the country as they relate to the demands of the customer base

·        A detailed understanding of regulatory guidelines and internal policies.

·        Excellent oral and written communication skills, ability to convey information effectively and convincingly to all levels.

·        Excellent planning, time management, organizing and problem-solving skills

·        Good working knowledge of regulations within the financial sector

·        Excellent working knowledge of MS Word & Excel tools

SKILLS:

·        Leadership skills

·        Problem Solving and Analysis

·        Excellent presentation skills and Communication Skills

·        Understanding of Business, Government and Industry Processes

·        Personal Organization

·        Governance/Management

·        Coaching/development and people management skills

·        Analytical skills