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ROLE ACTIVITIES

1. Credit Application (Origination)
- Assess  credit applications from Client Services and/ or originate paper for Debt restructures/rehabilitation and workouts ensuring that decisions are made based on sound financial analysis and risk assessment.
- Implement and enforce credit policies, guidelines, and underwriting standards.
- Ensure that all credit applications meet internal risk parameters and comply with regulatory requirements.

2. Portfolio Risk Monitoring and Analysis
- Oversee the ongoing assessment of the credit portfolio, identifying trends and early warning signals of credit deterioration.
- Regularly review exposure to high-risk sectors, clients, and geographical regions.
- Monitor the institution’s credit exposure against set credit limits and regulatory requirements

3. Identify Early Warning Triggers (EWS)
 -Implement effective early warning processes to detect potential credit issues before they materialize into defaults.

-Monitor and flag clients or sectors exhibiting deteriorating financial health.

- Loan Accounts to be properly risk classified in line with categorization codes – refer ORM Policy for guidance

4. Credit Risk Reporting
-  Preparation and presentation of comprehensive risk reports to senior management and debt restructuring committees.
 

5. Problem Loan Management
- Work closely with business Bankers, Business Development Managers, to manage problem loans and implement recovery strategies.
- Escalate high-risk exposures for immediate management action and recommend loan restructuring or write-offs as needed.

6. Credit Policy and Compliance
- Ensure that all credit decisions and exposures comply with internal policies and external regulatory standards.
- Contribute periodic reviews of ORM policy and procedures, ensuring they align with the institution’s risk appetite and market conditions.

7. Stakeholder Collaboration
- Liaise with business units, risk management, audit, and finance teams to ensure alignment of credit risk strategies.
- Provide guidance and training to credit officers and other relevant staff on ongoing credit risk management practices.

QUALIFICATIONS & EXPERIENCE

• Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or MBA is advantageous
• In-depth knowledge of credit risk regulation (IFRS 9) and credit risk management frameworks;
• Certifications in credit risk management, financial analysis, or risk management;
• At least 5 years of experience in credit risk management, with a focus on ongoing monitoring and portfolio management;
• Extensive experience in managing a team and working in a regulated financial institution environment;
• Proven track record in early identification of credit risks and successful management of problem loans;
• Agric Lending is an added advantage 

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