Key Responsibilities
1. Credit Assessment and Approval
•    Evaluate and recommend credit applications with a focus on financial viability, risk-return alignment, and policy adherence.
•    Perform detailed financial, industry, and business risk analysis, including assessment of repayment capacity, collateral adequacy, and obligor risk rating.
•    Ensure credit applications are aligned with the bank’s Credit Risk Management Framework and lending strategy.
•    Provide clear, concise, and commercially balanced credit recommendations to senior credit officials and the Board Credit Committee where applicable.

2. Credit Portfolio Management
•    Monitor credit exposures, early warning signals, and client performance post-disbursement.
•    Oversee arrears, excesses, and non-performing accounts to ensure timely remediation and minimize credit losses.
•    Conduct periodic reviews of facilities, ensuring all conditions and covenants are met, and proactively manage renewals and restructures.
•    Support IFRS 9 inputs, portfolio provisioning, and bad debt containment aligned to the bank’s impairment framework.
•    Ensure client information is frequently updated on digital platforms

3. Stakeholder Engagement & Client Focus
•    Engage with Relationship Managers, Branches, and Clients to deliver high-quality credit solutions that balance risk and reward.
•    Provide expert guidance on credit structuring and assist business units in developing bankable proposals.
•    Uphold service standards and turnaround times in all credit-related interactions.

4. Credit Policy and Governance
•    Ensure compliance with internal credit policies, regulatory requirements, and best practices.
•    Identify gaps or inefficiencies in credit processes and contribute to continuous improvement initiatives.
•    Participate in the review and enhancement of credit policies, procedures, scoring models, and automation tools.

5. People Leadership and Capability Building
•    Mentor, coach, and guide junior credit analysts and credit officers.

6. Reporting and Administration
•    Ensure the timely submission of internal credit reports, portfolio reviews, and regulatory returns.
•    Support audit and assurance activities by ensuring documentation integrity, data accuracy, and policy adherence.
•    Maintain proper recordkeeping of credit decisions, correspondence, and exception approvals.

7. Business Development Support
•    Identify cross-sell and up-sell opportunities during the credit evaluation process.
•    Support business units with credit input into product development, pricing strategies, and market competitiveness.

Core Competencies
•    Strong analytical and decision-making skills
•    Commercial acumen and sound judgment
•    Integrity, accountability, and ethical conduct
•    Effective written and verbal communication
•    Collaborative mindset with the ability to influence
•    Customer-centric approach with attention to risk
•    Excellent time and workload management
•    Adaptable to change and digitally fluent

Qualifications & Experience
•    Bachelor’s degree in Finance, Accounting, Economics, or related field (B.Comm preferred)
•    A postgraduate qualification or a professional designation (e.g., CFA, CA, FRM, Credit Diploma) is an advantage
•    Minimum 5–7 years of credit risk or lending experience within a financial institution
•    Proven experience in credit analysis, structuring, and portfolio management
•    Strong understanding of credit policy, risk appetite frameworks, and regulatory standards
•    Proficient in Microsoft Office (Excel, Word), financial modeling, and credit tools

Desirable Attributes
•    Resilient and solution-oriented under pressure
•    Keen attention to detail with a proactive work ethic
•    Passionate about continuous learning and process improvement
•    Comfortable working in a data-driven and digital banking environment