Senior Manager - Credit Administration at Equity Bank Kenya

Purpose

Senior Manager, Credit Administration at Equity Group Holdings (EGH) will serve as a liaison point of contact in coordination of key Credit Administration deliverables across EGH Subsidiaries, including standardization of processes, procedures, and legal documentation. The role holder will also support Group Credit risk in embedding a strict risk culture across the subsidiaries by ensuring proactive identification of risks and controls, as well as robust management of audit and compliance matters. This will help promote effective governance and thus enhance the quality of the Group’s loan portfolio.

Responsibilities

• Ensuring good Credit Governance is observed across the subsidiaries (Policies, Standards, Processes & Procedures, etc.)
• Compiling Key Credit Admin performance MI across subsidiaries for management consumption.
• Reviewing procedures across subsidiaries to identify gaps and effect harmonization.
• Coordinating standardization of legal-approved facility letters across subsidiaries
• Periodically reviewing MI on Key performance metrics (excesses, overdue/ expired items, etc) from the Credit monitoring dashboard and other sources to identify deteriorating trends and for escalation to Group Credit Management.
• Developing mechanisms for proactive tracking of expiry of limits, collateral documents, and other key items.
• Consolidating and championing standardization of Risk Registers across subsidiaries.
• Following up outstanding Audit and Compliance issues across subsidiaries for timely closure.
• Compiling and sharing best practice/ lessons learnt across the subsidiaries from audit and other findings.
• Providing support to subsidiaries on credit- administration related matters
• Acting as the group Credit Risk Champion in embedding a strict Risk Culture as the First line of Defense.
• Supporting/ coordinating system enhancements/ developments across subsidiaries
• Supporting general administrative matters within Group Credit.

Skills required to undertake the role.

• A good understanding of Credit Risk.
• Credit Monitoring skills.
• Understanding of the Credit Policy and lending Policies.
• High attention to Detail.
• High level of analytical skills.
• High level of negotiation skills to be able deal with different stakeholders across the region.
• Presentation skills & interpersonal skills.
• Proficiency in MS packages.
• Good Organization Skills.
• Ability to handle pressure, conflicting priorities and manage constant changes.

Knowledge of the Banking products, services, policies and or any other specialist knowledge required to undertake the role.

• An in-depth knowledge of the bank’s lending products.
• Good understanding of regional and/or global lending framework with particular emphasis on presence countries.
• A good knowledge of CBK’s prudential guidelines as pertains to lending, and Risk Management Guidelines.
• Excellent knowledge of general banking procedures and policies, operations, as well as regulations.
• A general knowledge of the Group’s vision and focus especially in relation to Management of risks.

Qualifications

• Bachelor’s degree preferably in business, finance or accounting. Professional Banking or Accountancy not limited to AKIB/ACIB CPA, ACCA or CFA will be an added advantage.
• At least 15 years of Credit experience of which 5 must be in Credit Administration.
• International Computer Driving License or other recognized computer certification.
• Ability to interpret financial and legal documents.