Provide an independent assessment of credit applications; approve applications within delegated authority, make recommendations to the Management Credit Committee on applications above delegated authority.
Support the Head of Credit in management of the Credit function of the Bank through ensuring sound risk asset quality and a prudent credit culture throughout the lending units, while ensuring that the credit process is responsive to customer needs and credit losses/collection costs are minimized.

DUTIES & RESPONSIBILITIES
• Review and approve credit applications within delegated authority and make recommendations to MCCs for applications above delegated authority.
• Positively contribute to a sound risk asset quality and a prudent credit culture throughout the bank, while ensuring the credit process is responsive to customer needs and credit losses and collection costs are minimized.
• Ensure the Bank’s compliance with regulatory requirements in the areas of credit, and with internal policies, procedures and underwriting standards.
• Contribute to regular review the Bank’s credit portfolio to recommend /implement relevant strategic interventions and effective dimensions on portfolio risk management especially in line with Bank’s growth strategy.
• Attend and contribute to management meetings on discussions on the Bank’s credit portfolio.
• Ensure that credit delivery is effective, responsive and customer satisfaction measures are high.
• Support regular review of the Bank’s Credit policies, procedures and processes, and recommend /implement changes where appropriate.
• Contribute to the bank’s profitability by ensuring optimum risk-reward profile of risk asset proposals.
• Provide credit training support to Credit and Business teams.

MINIMUM ACADEMIC QUALIFICATIONS
Minimum of bachelor’s degree in business related subject or its equivalent.
Professional banking, Insurance and Accounting qualification will give an added advantage

WORK EXPERIENCE
Minimum of 6 years banking experience with not less than 3 years in a credit approval position
2 years leadership experience

KEY COMPETENCIES (Knowledge, Skills & Abilities):
• Demonstrate a proven ability to analyze credit proposals
• Understanding of business trends & credit risk management trends in the financial services industry
• Ability to understand and analyze financial & cash-flow statements and make useful deductions for decision-making
• Good coordination skills, strong interpersonal and communication skills
• Strong organizational and people management skills