Head of Credit Origination at NCBA Group

Job Purpose Statement

The purpose of the role is to lead the Corporate Credit Origination function within the Corporate Banking Department. This role involves evaluating the creditworthiness of borrowers, ensuring sound credit decisions, mitigating financial risks for the Bank, contributing to the development and implementation of credit policies, procedures, and risk assessment models, while ensuring compliance with regulatory requirements and alignment with the Bank’s strategic goals.

The job holder will be required to build robust credit analysis and credit structuring processes and practices for new, renewal and/or extensions of credit in which applicants business and financial records are analyzed, assessed and stress-tested in the context of the operating landscape to ascertain the risk involved in extending credit and the ability of the applicant to repay, and make recommendations on the nature, structure and terms of the credit facilities

The job holder will have overall responsibility for the quality of all credit requests and will collaborate with the respective Sector Heads in Corporate Banking and other stakeholders to support the departments lending objectives while maintaining a robust risk management framework. The job holder will also ensure thatall credit proposalsare properly categorized through application of the Environmental & Social Risk Management Policy, standards and models.

The role holder jointly with Sector Heads in Corporate Banking will submit reports to assist the Management & the Board Credit Committees identify solutions for existing and / or future credit challenges.

Ideal Job Specifications
Academic:

• Bachelor’s degree from a recognized accredited university.
• Master’s degree in strategic management or business administration, or other similar relevant qualification.

Professional experience:

• CPA / ACCA qualification. AKIB Omega

Desired work experience:

• Minimum of 10 years of wide-ranging banking experience, with at least 5 years Senior Management level experience in Credit analysis, Credit Risk and portfolio management.
• At least 3 years’ experience in people management role.
• Strong industry knowledge and networks.
• Proven track record of credit analysis and financial understanding. Has demonstrated over the span of the career credit and financial analysis skills required to effectively perform credit analysis and portfolio maintenance activities/tasks in a manner that consistently achieve high quality standards or benchmarks.
• In-depth knowledge of the local banking industry, banking products, banking services and banking regulations. Sound working knowledge and understanding of general commercial regulations and practices.