Credit Manager job at EcoBank | Apply Now

Assist the Head of Credit driving the bank’s credit agenda by overseeing and manage:

Risks inherited within in the credit origination process by overseeing the credit analysis done by the analysts

Monitoring of existing credit portfolio and

Loan documentation process. Assist in the management of Documentation and Disbursement; by ensuring credit compliance with local and legal regulatory requirement and the Group Credit Policy Manual.

Monitor Loan exposure and enforce compliance with covenants CRB Project Manager for the Bank.

Monitor Projects financed by the bank together with marketing departments and report to the Head Credit.

To protect the financial strength and the reputation of the bank.

Preparing Monthly credit Reports

Analyse credit proposals by observing policies, procedures and regulatory requirements and provide recommendations to relevant approving authorities/committees.

Ensure all the approval conditions are well captured in respective facility letters and are legally enforceable.

Support the business teams in their dealings and ensure quality bookings and growth of credit book.

Ensure credit portfolio remains of good quality with balanced concentration and diversification always.

The CRB Project Manager must generate periodic management reports for discussions at senior management meetings as a key agenda, with specific focus on the quality of data including the data success rate, rejected records, and the reasons thereof.

Provide leadership and support to the branch enrolling customers on CRB.

Ensure best TAT in loan processing to meet customer’s expectations.

Participate in target market strategy and its preparation, PPs and other credit related products.

Support Head of Credit, Act as secretary to bank credit committees, and BCC.

Assist in ensuring that the bank achieves an audit rating of acceptable or better in all credit reviews.

Monitoring of existing credit portfolio by preventing potential risk accounts from rolling into delinquent buckets and prevent overdues.

Extracting, analyzing and interpreting the information from daily reports and providing appropriate recommendations/escalation to the management as appropriate.

Ensure good quality of credit management services (approvals, disbursements, reports and remedial management) in supporting business goals.

Report all risk and loss events as a result of errors or fraud to the line manager and /or relevant parties to manage mitigate possible losses.

Work with Business Units to ensure portfolio quality remains within group target and regulatory NPL ratio of 5%.

Minimization of exposures and impacts of credit risks, managing troubled exposures to ensure good loan recovery.

Assist the Head of Credit to ensure 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 for the credit book are effected in the Bank’s accounting systems.

Perform any other duties as directed by the Management/supervisor and not limited to the following

Ensure the bank achieves an audit rating of acceptable or better level in all credit reviews and participating in closure of open audit queries.

Provide appropriate inputs to develop the bank’s Target Market.

Ensure the credit risk strategy is in place and up to date always.

Assist Head of Credit identifying skills gaps and training needs for credit analysts and RMs/Ros.