Head of Credit at PricewaterhouseCoopers (PwC)

Job Description

Key Duties & Responsibilities

• Participate in the development of the institution’s strategy in order to ensure alignment of the credit function with the institution and Group’s overall strategy.
• Overall management of the Credit and Credit Administration Departments and implementation of adequate structures and controls to facilitate quality delivery of credit and high performance by staff.
• Ensure that the institution has the right systems, processes and policies to guide all aspects of credit monitoring and credit administration.
• Exercise oversight of the Credit Administration process to ensure management of the credit process and portfolio for the institution across the entire value chain.
• Work with the Chief Executive Officer and the Head of Finance and Planning, in the evaluation of projected company cash flow through the maintenance of a loan pipeline reports and loan payoff reports.
• Provide support to the Heads of Credit in the subsidiaries with regard to credit appraisals and identifying potential areas of weakness to minimize credit losses within the business.
• Provide leadership to grow and maintain a profitable credit portfolio for the institution.

Key Qualifications and Experience

• The successful candidate must have at least ten years’ experience with at least five years at senior management level in an active commercial environment or a large financial institution.
• S/he should have a Master’s Degree in Finance, Economics, Commerce, Accounting or any other equivalent and relevant qualification from a recognized university.
• The incumbent must be a Certified Public Accountant holder with a valid membership to the Association of Certified Chartered Accountants (ACCA) or similar qualifications from other recognized professional bodies.

Technical Competencies

• The incumbent must have strong knowledge in budgeting and budgeting control.
• S/he must have strong knowledge in banking laws and regulations.
• Must have a comprehensive banking background and extensive experience in credit appraisal and loan portfolio management.
• The job holder must have extensive understanding of business and financial fundamentals, with mathematical aptitude & advanced accounting & computer spreadsheet skills.
• Proven strong financial analysis and loan underwriting skills.
• Maintain a thorough knowledge of credit services and a complete understanding of Credit Policy and Procedures.
• Must have strong knowledge of Central Bank prudential and risk management guidelines.

Behavioural Competencies

• The incumbent must demonstrate strong leadership and people management skills.
• Must be able to clearly communicate with fellow staff and key stakeholders.
• Must possess strong interpersonal skills.
• Must demonstrate integrity, honesty and ethics.
• Must possess emotional intelligence and manage emotions in a mature and composed manner as expected.