Credit Manager at Shelter Afrique

Credit Management

• Ensure the highest standard of credit quality through the structuring, sanctioning, monitoring and control of credit applications.
• Provide credit advisory to business, including lending criteria, credit appetite policy and process adherence.
• Implementation of credit policies and processes.
• Responsible for adherence to Governance, Compliance and Lending portfolio controls.
• Ensure conformance to policy and procedures within the Credit Function, including proactive management of agreed responsibilities for data integrity.
• Ensure no breaches to mandate and Credit limits.
• Challenge risk reward and pricing where appropriate.

Business Partnership

• Ensure that set Service Level Agreements (SLAs) and Turnaround Times (TAT) are adhered to.
• Work with business teams, providing credit coaching to ensure effective development and delivery of bespoke credit solutions for clients.
• Participate in improvement, simplification and automation of the end-to-end credit process, including credit origination, monitoring and control, post sanction activity, cost reductions.
• Client service – Supporting the business through joint client visits and support the team to address any credit matters.

Loan Management:

• Oversee and manage a portfolio of troubled or high-risk loans, ensuring timely repayment and minimizing potential losses.
• Develop and implement strategies for restructuring loans to improve their performance and reduce risk.
• Secure and manage collateral to protect the institution’s interests.
• Negotiate repayment terms with borrowers and, together with the legal department, initiate litigation when necessary to recover outstanding debts.
• Ensure all activities comply with relevant member state laws as well as the institution’s policies and procedures.
• Prepare detailed reports on loan performance and recovery efforts for senior management.

Monitor Performance:

• Actively monitor the performance of loans and recommend proactive measures to prevent loans from becoming non-performing.
• Formulate strategies for the recovery of NPLs, including initiating recovery actions and following up on the auction process.
• Ensure compliance with credit policies and regulatory requirements.
• Prepare and present periodic collection and recovery reports for management and the Board Credit Committee.
• Work closely with legal departments and external recovery stakeholders, such as court lawyers and receivers, to facilitate recovery actions.
• Provide training and support to team members to enhance their skills and effectiveness in recovery operations

Qualifications

Education:

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
• MBA and relevant professional certification (e.g., CPA, CFA, Credit Risk Certification) are preferred.

Experience:

• Minimum of eight(8) years of experience in credit management, credit analysis, or a related role in a Multilateral Development Bank or Financial Institution.
• Proven experience in managing credit risk and collections.
• Proficiency in both in English and French is preferred.