Job Purpose:
The
Holder of the role shall oversee Credit Risk Underwriting duties within the
branch. The Branch Credit Manager is responsible for overseeing the credit
operations within the branch, ensuring the effective management of credit
risk, and maintaining the quality of the loan portfolio. This role involves
evaluating loan applications, making credit decisions, and ensuring
compliance with the bank’s credit policies and procedures.
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.
How to Apply
