Manager, SME Credit Approver at SBM Bank

JOB SUMMARY:

To oversee and manage monitoring of disbursed facilities to ensure sustenance of a haigh quality portfolio. To lead the unit in monitoring disbursed facilities to ensure compliance with Credit Policy, underwriting standards and approval terms and conditions as well as tracking and ensuring adherence to approval covenants.

KEY RESPONSIBILITIES:

Strategy - 10%

• Play an active role in execution of SBM bank’s Growth strategy in terms of Assets growth by undertaking a thorough and informed credit appraisal and analysis to ensure sustenance of high quality SME loan book. 
• Ensuring continuous process reengineering with a view to improving efficiency to ensure compliance with set Service Level Agreements.
• Review and recommend modifications in the Credit Policies and Credit Procedure manuals to support the Bank where new processes are identified or processes modified.
• Give guidance and mentoring to the team members to improve performance and retain talent.

Operations - 50%

• Execute Credit underwriting/approvals function in line with Bank Credit Strategy and the overall Bank growth strategy;
• 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. ;
• Conduct random review of the credit files to make sure that prescribed standards being adhered to;
• Review and sign all Credit Approvals loan reports prior to distribution for accuracy and completeness;
• Providing input for the development and review of credit process and related credit projects/credit products; and
• To undertake branch visits and client visits as per business needs.

People Management - 15%

• Manage the staffing, workload and output of all staff in the SME Credit Analysis unit.
• 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 Approvals 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.

Compliance - 20%

• Credit Policy Manuals, Product guidelines and Credit Procedure manual prudential guidelines and SLAs.
• Legal regulations.
• Other internal and external regulatory requirements.

Other - 5%

• Safeguard and promote the bank’s image with the general public.

KEY RELATIONSHIPS:

Direct Reports to this position

• SME Credit Analysts 

Knowledge; Skills and Experience required for this Role

• Comprehensive banking background and extensive experience in credit Analysis and underwriting.
• Bachelor’s degree in a business management discipline in either; finance, business and economics or related field.
• A professional qualification in CPA/ ACCA/ AKIB or equivalent.
• Excellent Communication skills.

Competencies Required for this Role

• Ability to work effectively as a team. (Team player)
• Excellent analytical, problem solving skills
• Excellent communication skills, both oral and written
• Strategic outlook of the organization and industry.
• Key understanding of regulatory and legal environment
• Problem solving
• Analytical and methodical
• Decision making

Problem Solving

• Analytical and methodical
• Organisation
• Decision making

Accountability

• Signing mandates.