Team Member - Wholesale Credit at Rose Avenue Group

Job Responsibilities

• Evaluate credit risk by conducting thorough financial and business analysis to assess corporate clients’ creditworthiness using models, benchmarks, and sectoral insights.
• Recommend or approve credit limits and terms within delegated authority while ensuring alignment with the organization’s risk appetite and policy frameworks.
• Design and implement credit policies, exposure limits, and scoring systems to manage risk effectively.
• Track and control the wholesale credit portfolio by identifying early warning signs and ensuring compliance with approval conditions.
• Enhance internal processes and turnaround times to meet service level agreements and improve operational controls.
• Monitor and control the wholesale credit portfolio by daily reviewing and monitoring the corporate loan portfolio to ensure compliance with post-approval conditions, sanctioned limits and Bank policies, and recommend inclusion of deteriorating accounts in the Early Alert Accounts List.
• Collaborate with internal teams such as business units, legal, finance, and compliance, and participate in credit committees to align decisions with business goals.
• Promote best practices across business units and foster collaboration to strengthen the Bank’s risk profile.
• Pursue personal development and proactively seek greater responsibilities to enhance professional growth.
• Prepare and present credit reports, risk dashboards, and portfolio reviews to senior management.
• Maintain audit-ready documentation and support internal and external audits.

Other Requirements

Education and Professional Qualifications

• Bachelor’s degree in Finance, Accounting, Business or a related field from a recognized institution.
• Certified Credit Professional (CCP) or Diploma in Credit Management.
• Professional certification in AKIB/CIB, CPA (K) or ACCA.
• Master’s degree in a Business-related field from a recognized university is an added advantage.

Experience

• Minimum of 7 years’ work experience in banking, of which five (5) years must be in Corporate Credit and relationship management at a management level.

Knowledge and Technical Skills

• Knowledge and understanding of banking operations (international and domestic).
• Credit risk principles and regulatory frameworks.
• Wholesale credit analysis.
• Portfolio oversight.
• Strong analytical and financial modelling skills.
• Strategic orientation, creativity and innovation.
• Financial acumen.
• Finance and accounting.
• Banking industry knowledge.
• Financial industry knowledge.
• Knowledge and understanding of financial regulations (domestic and international).
• Knowledge and understanding of risk management and financial standards (domestic and international).

Behavioural Competencies

• Initiative and taking ownership.
• Team building and conflict management.
• Organization and coordination.
• Emotional intelligence.
• Decisiveness.
• Managing relationships.
• Project management.
• Integrity and discretion.
• Proactiveness.
• Analytical skills and problem solving.
• Resilience, tenacity and integrity.
• Interpersonal skills.
• Communication (oral and written).