1. Credit Application Evaluation
- Oversees the evaluation of credit applications for Debt restructures/rehabilitation and workouts ensuring that decisions are made based on sound financial analysis and risk assessment.
- Implement and enforce credit policies, guidelines, and underwriting standards.
- Ensure that all credit applications meet internal risk parameters and comply with regulatory requirements.

2. Portfolio Risk Monitoring and Analysis
- Oversee the ongoing assessment of the credit portfolio, identifying trends and early warning signals of credit deterioration.
- Regularly review exposure to high-risk sectors, clients, and geographical regions.
- Monitor the institution’s credit exposure against set credit limits and regulatory requirements.

3. Identify Early Warning Triggers (EWS)
- Design and implement effective early warning processes  to detect potential credit issues before they materialize into defaults.
- Regularly update and refine the EWS indicators based on market conditions and portfolio performance.

4. Credit Risk Reporting
- Lead the preparation and presentation of comprehensive risk reports to senior management, Debt Restructure committees, and the board.

5. Problem Loan Management
- Work closely with Sales Functions /Business Bankers, Business Development Managers   to manage problem loans and implement recovery strategies.
- Escalate high-risk exposures for immediate management action and recommend loan restructuring or write-offs as needed.

6. Credit Policy and Compliance:
- Ensure that all credit decisions and exposures are in compliance with internal policies and external regulatory standards.
- Lead periodic reviews of  ORM policy and procedures, ensuring they align with the institution’s risk appetite and market conditions.

7. Stakeholder Collaboration:
- Liaise with business units, risk management, audit, and finance teams to ensure alignment of credit risk strategies.
- Provide guidance and training to credit officers and other relevant staff on ongoing credit risk management practices.

QUALIFICATIONS & EXPERIENCE

• Bachelor’s degree in finance, accounting, economics, or a related field. A master’s degree or MBA is advantageous;
• In-depth knowledge of credit risk regulation;
•  (IFRS 9) and credit risk management frameworks;
•  Certifications in credit risk management, financial analysis, or risk management;
• At least 7 years of experience in credit risk management, with a focus on ongoing monitoring and portfolio management;
• Extensive experience in managing a team and working in a regulated financial institution environment;
• Proven track record in early identification of credit risks and successful management of problem loans;
• Agric Lending is an added advantage