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  • Posted: Mar 5, 2025
    Deadline: Not specified
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  • Shelter Afrique is the only pan-African finance institution that exclusively supports the development of the housing and real estate sector in Africa.
    Read more about this company

     

    Credit Manager

    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.

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    Method of Application

    Interested and qualified? Go to Shelter Afrique on www.linkedin.com to apply

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