Manager, Corporate Credit Approvals at SBM Bank

Job Purpose

Lead the Corporate credit analysis unit in assessing credit applications ensuring compliance with all Credit policy and underwriting standards. The broad objective further entails support of Corporate book growth within acceptable PAR tolerance levels to ensure the book remains profitable while the bank becomes a market leader in this segment.

KEY RESPONSIBILITIES

Financial Perspective  (25%)

• Execute Credit underwriting function in line with Bank Credit Strategy and the overall Bank growth strategy.
• Review and Recommend modifications in the Credit Policies and Credit Procedures Manual as new processes are identified or as processes are modified.
• Ensuring quality reviews of credit proposal within best practice and banks policy Ensure credit risk exposures are managed within the established limits. appetite and standards.
• To support branches under partnership arrangement and ensure utmost and enhanced approval rate.

Customer and Markets (25%)

• Undertake timely review of credit application within stipulated turnaround time.
• Oversee daily review loan workflow in the system (when available) to assess the number of loan applications received, the turnaround time of every step in the process e.g., analysis/approvals of TODs, Credit applications, Waivers, Early Draw Downs etc. etc.
• Conduct random review of the credit files to make sure that prescribed standards being adhered to.
• Providing input for the development and review of credit process and related credit projects/credit products.
• To undertake branch visits and client visits as per business needs.

People Management (25%)

• Evaluate the performance of the staff in the unit.
• Maintain good coordination between the Credit Approvals, other credit units, Legal department, business development team and Head of Credit.
• Ensure commensurate training of all Credit analysis staff in new or modified credit procedures, forms, credit policies.
• Prepare the annual performance unit agreements to be presented to the Head of Credit for integration into the bank’s overall annual plans.

Sustainability (25%)

• Credit Policy Manuals, Departmental Operating Instructions, prudential guidelines and SLAs.
• Banks Anti Money Laundering Policies and Procedures in conformity with defined standards and guidelines
• Other internal and external regulatory requirements

KEY RELATIONSHIPS

Direct Reports to this Position

• Credit Analysts

Knowledge; Skills and Experience required for this Role

• 5 years’ experience in banking and at least 5 years in a lending function
• Bachelor’s degree in an Analytical/Business related field
• MBA or MSc. in business related course.
• CPA or relevant professional qualification.
• Excellent Communication skills.
• Experience in Credit Evaluations including Complex Credit and Structuring

Competencies Required for this Role

• Experience or sound understanding of credit risk and the techniques of financial analysis.
• Knowledge of relevant lending products.
• Strong credit analytical skills including business plan analysis, numerical and financial analysis and interpretation.
• Key understanding of regulatory and legal environment