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Principle Accountabilities

• Continuous review of the Bank’s Lending Strategy, Policy and establishment of a regime of controls and disciplines that ensures compliance with lending principles and guidelines laid down in the Credit Policy Document.
• Continually review portfolio measures, including industry limits, tenor limits, risk rating, NPLs, risk acceptance criteria, and credit risk matrices.
• Analysis of appropriate Management Information Systems on Credit Risk, discretionary credit authorities, documentation exceptions, line excesses, Banking Act compliance, defaults and expired limits and initiation of remedial action as necessary
• Ensuring that provisioning policies are in line with the Bank’s Credit Policy Document, comply with Banking Act provisions and co-ordinate with Finance Division to ensure appropriate provisions and interest suspensions are effected in the Bank’s accounting systems.
• Management of the Credit Appraisal system, ensuring that appropriate reviews of Credit proposals are undertaken on a timely basis.
• Management of Credit approval processes by recommending suitable decisions and discretions.
• Ensure continued maintenance of a quality loan portfolio in line with the Bank’s standards as stipulated in policy guidelines while minimizing the risk of losses. 
• Implementation of new and effective dimensions on portfolio risk management especially in line with the Bank’s growth strategy.
• Implementation of automated processes to minimize manual interventions thereby increasing efficiencies in delivery of credit products at both personal and corporate lending levels. Implementation of suitable on-line credit approval systems to enhance efficiency while monitoring and ensuring service level agreements.
• Develop, provide and/or facilitate ongoing training, coaching and mentoring of staff to address identified skill gaps right from personal banking to complex corporate lending.
• Carry out industry and sector economic survey at a macro-economic level and provide statistical data thereof for senior management information on a need basis and more regularly to relevant departments.
• Ensuring agreed remedial actions for NPL relationships at minimal cost.
• Give guidance and advice on all Credit Risk Management, Administration and Policy related issues for the Bank.
• Approving certain extensions of credit as required by these policies. Ensuring material policy exceptions are escalated for approval by the Board Credit Committee. 
• Give guidance on credit strategy, appropriateness of staffing levels and talent hiring within the bank’s business plan.

Key Competencies and Skills

• University degree or equivalent preferably in finance related field from an accredited institution and relevant professional qualifications in banking, Risk Management, Credit Management or accounting.
• Experience, awareness and appreciation of all aspects of financial analysis in a busy and dynamic financial institution.
• Strong understanding of operational, legal and credit risk across the full range of industries.
• Knowledge of Risk Rating Models and Basel II.
• 10 years' experience in Credit Risk Management, 3 being at a senior level, and exposure to modern risk management and portfolio management tools.
• Knowledge of banking products and New and Evolving Technology systems.
• Skills and training in leadership.

Minimum Qualifications, Knowledge and Experience

• Ability to translate the bank’s corporate strategy into departmental business plans and operationalize the same through a focused performance management regime.
• Knowledge of all lending products (both local and international) and the level of complexity inherent in those products.
• Ability to evaluate position of solvency of a business and prudent decisions against credit application.
• Ability to develop credit policies in the Financial Services sector.
• Ability to present, communicate and effect essential changes to improve credit management in the Bank in line with emerging micro and macro financial developments.
• Proven leadership and people management skills with a high level of commitment and enthusiasm.
• Good communication, negotiation and presentation skills.

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Principle Accountabilities

• Ensure growth of the branch asset & liability books and profitability by working with and directing the branch sales team on activations, portfolio management, strategy adoption, customer visits and sales activities in general
• Monitor Non performing loans and manage the same. 
• Setting up the branch business development strategy in line with company strategy and preparation of relevant reports to monitor and review performance
• Ensure optimum team productivity and identify training needs of the team.
• Cross selling of HFC Banks products by establishing new relationships in order to grow both assets and liabilities book.
• Maintaining customer relations by regular contact to ensure customer satisfaction business continuity 
• Review accounting opening forms and loan applications by scrutinizing the documents to ensure they are KYC Compliant.
• Check data entry by verifying the data captured against source documents to ensure accuracy in data capture.
• Analyze loan applications by interviewing the customers.
• Identify customers borrowing needs by interviewing so as to ensure selling of the right products.

Key Competencies and Skills

• Selling skills
• Analytical skills
• Negotiation skills
• Supervisory skills
• IT Skills
• Report writing
• Communication skills
• Product knowledge  

Minimum Qualifications, Knowledge and Experience

• A Business related degree 
• 3 years experience in the Banking Industry