Job Title: Credit Portfolio Manager
Responsible for managing the bank’s credit portfolio,
monitoring credit risk and loan performance, assessing borrowers’
creditworthiness, reviewing portfolio quality, identifying potential defaults,
developing strategies to reduce non-performing loans, ensuring compliance with
credit policies and regulatory requirements, preparing portfolio performance
reports, and recommending improvements to credit management processes. Requires
a Bachelor’s degree in Finance, Accounting, Economics, Business Administration,
or a related field. The position is based in Nairobi and requires on-site work.
Key
Responsibilities
Accountability: Credit Risk Management – 40%
In
collaboration with the business counterparts, develop, implement and maintain
credit risk strategies
Ensure
the highest standards of credit quality through the sanctioning, sampling and
application of best practice to credit proposals, and maintenance of these
standards throughout the Credit Teams.
Review
and Implementation of credit policy and processes. Feed into business and
credit policy development.
Ensure
adherence to Lending discretions with appropriate delegation to the Retail
Credit and Credit Operations Team.
Exercise
personal judgment and discretion in the evaluation and approval/decline of
credit proposals.
Responsibility
for personal & team adherence to governance, compliance and lending
portfolio controls. Ensuring audit outcomes are satisfactory backed by
conformance to policy and procedures including proactive management of agreed
responsibilities for Data Integrity.
Maintain
interactive relationship with relevant ARO/Group
Risk/Business/Operations/Conformance Teams.
Challenge
pricing and profitability models in order to maximize value. Ultimate sign off
at customer level remains with Business.
Design,
implement and maintain generic strategies for appropriate remedial action on
poorly performing accounts in the portfolio
Accountability: Business Risk Partnership &
Stakeholder Management – 40%
Work in
partnership with the Head of Retail and Business Banking Credit to ensure that
the credit team proactively anticipates & responds to (and seek to exceed)
the expectations of customers. Always looking to add value.
Develop a
strong Risk/CODO/Retail Business partnerships
Represent
Retail Credit Risk in forums where Credit Risk is directly or indirectly
impacted.
Accountability: Leadership – 20%
Be part
of a highly motivated team maintaining excellent relationships within own team
and wider business to ensure achievement of business goals.
Consider
the training and development needs of the team and support the development and
implementation of solutions.
Act as a
role model and drive proactive application of Absa behaviours throughout the
team including establishment of common goals and objectives.
Ensure
effective performance development and succession planning for the team.
Qualifications
Business
Degree in mathematical finance, actuarial science, economics, statistics
Comprehensive
technical credit skills
General
commercial/industry awareness
Working
knowledge of risk management policies, procedures & pricing
Experience
Working
knowledge of Group policies and strategies relative to the credit function
Product
knowledge
Detailed
understanding / fit of the vision for Risk
Working
knowledge of local country structure and strategy
Leadership
and performance development of a team
Managing
risk and reward
Knowledge
and Skills
Leadership
People
management and coaching
Communications
(written and oral) and presentations
Effective
negotiation and influencing
Delegation
Influencing
