KEY PERFORMANCE AREAS (KPAs)

1. Strategy Alignment 
• Assist the Manager Credit Origination, Head: Corporate Coverage and Head: Investment Banking
in driving the strategic intent of the division in terms of planning and execution of credit. 
• Serve as a key resource working closely with the coverage and investment banking teams to
create client deliverables and meet client requests.

 

2. Key Responsibilities 
• Responsible for effective and efficient management and administration of assigned credit
origination activities in compliance with the Banks credit policy and procedures ensuring that
credit risk is contained within acceptable limits. 
• Continuously improve the relationship management model and customer experience in line
with the Customer Value Proposition model of Corporate and Institutional Banking (CIB). 
• Identifies, quantifies and evaluates credit and risk management requirements at the source of
the deal negotiation/business proposal. Conducts credit evaluation interviews during deal 
negotiation to obtain enough and appropriate information to evaluate business risk and deal
viability, from a credit risk perspective. 
• Declines non-viable deals at source at the discretion of the Manager Credit Origination,
however, works in partnership with Sector Team Leads, Relationship Managers and clients to
identify alternatives that could bring the deal/proposal within acceptable risk parameters
relative to profitability. 
• Recommends appropriate facilities in line with risk evaluation.
• Supports Sector Team Leads, Relationship Managers and Head: Corporate Coverage and
Investment Banking to present and defend own judgement to clients in a manner which does
not negatively affect the business relationship.

 

3.   Preparation of formal Credit Applications 
• Interrogates information obtained to gain a thorough understanding of business parameters
which create profit/value for the Bank. 
• Identifies, quantifies and evaluates sources of risk in relation to profitability of business proposal
and financial viability of companies.  
• Utilizes industry risk analysis available to identify and understand contextual threats to existing
and potential clients. 
• Evaluates whether proposals meet sound business criteria and if the credit risk falls within
acceptable parameters of the Bank and its respective and applicable policies.  
• Ensure that credit applications are comprehensively completed, providing sound financial and
business justification within the acceptable risk parameters relative to profitability, and
submitted within the shortest possible turnaround time. 
• To provide a comprehensive recommendation on the business credit facilities requested,
including terms and conditions to the facilities.

 

4. Business Acumen and Understanding 
• Keep abreast of and collate detailed, up-to-date information about the economy and financial
markets for the wider use of the CIB team. 
• Stay abreast of new development within the banking industry, monitoring activities of key players,
tracking recent activity in the industry (e.g. projects) and staying current on relevant regulatory
developments. 

5. Relationship Management and Service Delivery
• Build and maintain credit partnership with various stakeholders such as the Coverage Team, Credit
Head Office as well as Retail Banking Services to improve quality of business proposals and
turnaround time on credit evaluations.
• Shares joint credit responsibility for business written proposals with the Coverage and Investment
Banking Teams.
• Attends Credit committees to recommend financials and merits of all applications when required
to do so.
• Shares joint responsibility alongside the Coverage, Investment Banking, Collateral and Legal
Teams, ensuring compliance of Conditions President (CPs) prior to the disbursement of funds in
line with approved credit terms.
• Monitoring and ensuring compliance of ongoing conditions. 
• Assist in identifying potential growth areas through the analysis of trends and the competitive
environment.
• Responsible for identifying cross-selling opportunities and to refer such opportunities and leads to
the sales area throughout the credit origination process.
• Acting as second face to the client in the absence of the Sector Team Lead or Relationship
Manager as it relates to a credit process.
• Remains organized, applies sound judgement and keeps developing relationships when under
pressure.

 

6. Credit and Risk Management
• Proactively drives review process of existing facilities, ensuring consistently thorough and timely
evaluation of all existing facilities.
• Detects and evaluates shifts or changes in key risk parameters in a business relationship or
industry and evaluates the implications of such changes on continued business dealings.
• Establish reasons for risk exposure in excess of credit facilities, evaluates these in relation to
business risk parameters.

 

7.  Administration
• Perform all relevant administrative duties that supports the work of the team in terms of
analytical duties. 
• Ensure adherence to all internal policies and compliance to legal and regulatory requirements.
• Perform all relevant administrative duties that supports the work of the team in terms of credit.
• Ensure adherence to all internal policies and compliance to legal and regulatory requirements.
• Provide professional advice to CIB staff on credit matters to optimise business performance.
• Intimate Knowledge and adherence to various Credit related processes, procedures and manuals.
(Advance Instructions manual, Credit Risk Framework and Credit Sanction Policy)

8. General
• Attend to any other reasonable and lawful instruction as given to the incumbent by his/her   
supervisor is carried out on time and correct.

 

9. Core Competencies
• Relationship building and Networking
• Persuading and Influencing
• Excellent Presenting and Communicating skills
• Planning and Organising 
• Delivering Results and Meeting Customer Expectations
• Entrepreneurial and Commercial Thinking

 

10. Knowledge and Skills
• Thorough conceptual and practical knowledge of credit procedures, policies and standards, as
they apply to each situation such as credit applications, bad debts, disputes.
• Persuasive and taking a negotiating approach with goal of bringing others to your view point.
• The understanding of how product applications are captured on systems and the inputs required
and outputs received from the systems for customers.
• Knowledge and understanding of the features, benefits and pricing of the products and services
on offer to CIB customers.
• Knowledge of markets and or investment finance; must be able to articulate the Division’s
strategic objectives.
• Strong analytical skills.
• Proficiency with Microsoft Office programs.

Qualification and Experience

• Degree in relevant field of study (Accounting, Finance, Credit, Economics or CIMA, ACCA, LIA).
• At least 3 years commercial or corporate banking credit origination experience.
• Thorough understanding of all the bank’s products, processes and procedures.
• Detailed understanding of accounting principles and IFRS standards.