Credit Manager at I&M Bank

Primary responsibilities:

• Review credit applications for adherence to CBK Prudential Guidelines, Bank’s Credit Policy, Credit Guidelines and Product Program requirements and approve credit applications within delegated authority.
• Identify, measure, and mitigate risk using identification tools and risk rating models and providing recommendations to the relevant credit authority for sanction/decisioning.
• Analyse and recommend of staff loan credit applications in line with the approved staff loan credit requirements.
• Undertake credit analysis of bank counterparties (financial institutions) & insurance companies using both quantitative and qualitative factors in compliance with the country risk policy.
• Conduct periodic review of Non-Performing Accounts to identify gaps that led to the non-performing status.
• Monitor assigned portfolio for quality and identification of early warning signs within the portfolio. Continuously engage with the relationship team to remedy the position to deter further deterioration.
• Ensure accompanying securities such as insurance covers and valuation reports are in place.
• Review facility limits and excesses to ensure extensions and sanction are within the Delegated Authority Matrix.
• Conduct site/client visits in line with the approved calling program.
• Review Risk Control Self Assessments (RCSA) and audit requirements to ensure compliance.
• Review Credit Facility Contracts for alignment of terms and conditions to approvals in the Loan Origination System (LOS).
• Coordinate and collaborate with branch relationship teams, credit documentation, legal and credit administration teams on matters related to lending for Premium and Business Banking segments.
• Conduct regular market research on the new products, industry practices and any other developments with high potential impact on lending.
• Review segment product papers and highlighting risks and opportunities pertaining to the same for sanction/decision.

Minimum requirements

• At least 7 years relevant experience; 3 of which must have been at managerial level.
• Bachelor's Degree in Business, Finance, Economics, Mathematics, Statistics, or a related field from a recognized institution.
• Masters’ Degree will be an added advantage.
• Member of the AKIB or equivalent professional body.
• Excellent communication and interpersonal skills.
• Strong people-management and leadership skills.
• Advanced financial risk analysis skills.