Key responsibilities:
• To participate in the formulation of bank credit policies and lending practices in such areas as large exposures, credit concentration, sectoral exposure, maturity of securities, etc
• To ensure implementation of the design, review credit grading systems and establish quality assurance measurements.
• To implement and enforce measures that will improve lending skills and standards – such as staff training.
• To participate in the development of a regional data bank on industry analyses / market intelligence and liaise with the Credit Reference Bureaus so as to review and initiate action to enrich and modify the overall credit risk profile of DTBU. An update on the risk profile to be submitted to the MD and the respective Board on a quarterly basis with findings and recommendations on way forward.
• To monitor the prevailing trend and quality of the credit portfolio in DTBU, through various management report such as Arrears and NPA Accounts Reports.
• Monitoring of credit risk so as to ascertain the overall health of each asset and overall portfolio and confirm that exposures are in line with the bank’s policy guidelines so as to ensure the quality of the credit portfolio
• To review the expected Credit Losses and IFRS 9 computations and assumptions therein
• To review HR capacities in relation to credit functions in all the units and in liaison with the Human Resources Department, identify training needs and recruitment of staff where necessary.
• To participate in the general management of the Bank and in this regard streamline the credit operations in the Bank through actively participation in re-engineering systems and controls review programmes.
• To ensure implementation of the systems and controls as they relate to credit functions at all times.
• To ensure that all the Bank’s Credit Policy and Procedures are implemented across the Bank.
• Knowledge, experience and personal competencies:

Bachelors Degree.
• Professional qualification in Banking/Business/Management/ Accountant is an added advantage.
• 3 years minimum experience in a supervisory position (preferably in a banking environment).
• Some experience at bank branch management level would be desirable.