Job Summary
The chief function of the Unit Head, Credit Administration is to plan, coordinate, control and direct all lending operations of the segmented market, in such a way as to minimize risk in lending, and ensure profitable lending. Provision of leadership and direction required to develop and manage customer relationships with excellent financial development and management of customer acquisition, retention and relationships in the customers target market.
Minimum Qualification:Degree
Experience Level:Senior level
Experience Length:10 years
Job Description
Department :Credit
Location :Head Office
Salary Grade/Step :Classified
Immediate Supervisor :Chief Executive officer
Title/No. of Positionsdirectly supervised :Credit Team (s) members
Functional Reporting Departments :Operations, Finance
General Responsibilities
Responsible for the review and approval of commercial credit proposals and to maintain a good balance between returns and risks exposure
Responsible for the Credit Portfolio(s) of the company.
Leads a sharp, aggressive and result oriented credit team to ensure high market share within the industry.
Engages the development, implementation, review and monitoring of various credit and risk programs and providing training and coaching to continuously upgrade the competency of the team members
Review and develop the company’s Product papers, as well as participate in ad hoc projects of researching on specific customer portfolio or market segments.
Implementation of credit processes and policies
Assist in identification and development of credit products and services
Management and maintenance of existing customer relationships and development of new ones.
Develop a customer management framework including customer insight driven marketing (through a value chain analysis)
Ensure proper pricing and structuring of loans to ensure proper income generation.
Responsible for developing deposit and lending relationships with customers
Efficient management of risk capital
Behavioural Competencies
A strong sense of purpose and responsibility
Possess Leadership skills
Excellent interpersonal skills
Good communicator
Attention to detail and disciplined
Exceptional ability to work independently and under pressure
Possession of a high sense of integrity
Self-driven, results oriented and a clear focus on high quality and business profit.
Open minded, a progressive thinker, a listener and an individual who is comfortable with participation from fellow employees
Effective people management skills
Problem solving skills
Technical Competence
Undertaking strategic analysis and assisting with strategic planning
Assist to produce short to medium as well as long-term business plans
Undertaking research into products, pricing, promotions competitors and factors affecting performance
Managing budgets: Balance Sheet and P&L
Knowledge
Excellent Risk assessment skills
Excellent selling skill / Customer Service / Relationship Management capabilities
Strong strategic orientation
Good negotiation /presentation skills
Good oral and written communication skills
Commercial awareness, initiative and the ability to work as part of a team
Knowledge and understanding of Retail and public sector market
Advance Credit Skills
Initiative/Entrepreneurship/ taking ownership
Analytical Skills/ Technical /Problem solving
Excellent problem-solving
Good products knowledge
Interpersonal Skills
Self-motivated
Key Performance Indicators
Number and value of major deals brokered
Market share
Low cost of funds
Customer retention
Business volume growth rate: loans, deposits, fees
Revenue growth
Loan to deposit ration
Low levels of NPL’s as defined by the bank
Cost Management
Must meet Retail loans processing within 52 hours
Staff Retention
Customer satisfaction levels
Minimum Qualification and Work Experience
A good First Degree in any discipline.
A post graduate degree in any financial discipline
A recognized professional certification will be an added advantage
In depth understanding of business and functions related to the department
The candidate should have in-depth knowledge on analysis of Bank financials and other department functions in a bank.
Should be able to analyze market conditions and identify opportunity for business
Ability to think strategically and assist in the organization and management of multi-nationality team.
Experience in balancing financial and business performance
Advanced computer skills (Excel, Word, Access and PowerPoint)
Minimum of 12 years’ experience in a financial sector with at least 10 years’ experience in credit management
Credit evaluation experience with complex credits and structuring are involved.
Conversant with regulatory requirements in the industry.
Department :Credit
Location :Head Office
Salary Grade/Step :Classified
Immediate Supervisor :Chief Executive officer
Title/No. of Positionsdirectly supervised :Credit Team (s) members
Functional Reporting Departments :Operations, Finance
General Responsibilities
Responsible for the review and approval of commercial credit proposals and to maintain a good balance between returns and risks exposure
Responsible for the Credit Portfolio(s) of the company.
Leads a sharp, aggressive and result oriented credit team to ensure high market share within the industry.
Engages the development, implementation, review and monitoring of various credit and risk programs and providing training and coaching to continuously upgrade the competency of the team members
Review and develop the company’s Product papers, as well as participate in ad hoc projects of researching on specific customer portfolio or market segments.
Implementation of credit processes and policies
Assist in identification and development of credit products and services
Management and maintenance of existing customer relationships and development of new ones.
Develop a customer management framework including customer insight driven marketing (through a value chain analysis)
Ensure proper pricing and structuring of loans to ensure proper income generation.
Responsible for developing deposit and lending relationships with customers
Efficient management of risk capital
Behavioural Competencies
A strong sense of purpose and responsibility
Possess Leadership skills
Excellent interpersonal skills
Good communicator
Attention to detail and disciplined
Exceptional ability to work independently and under pressure
Possession of a high sense of integrity
Self-driven, results oriented and a clear focus on high quality and business profit.
Open minded, a progressive thinker, a listener and an individual who is comfortable with participation from fellow employees
Effective people management skills
Problem solving skills
Technical Competence
Undertaking strategic analysis and assisting with strategic planning
Assist to produce short to medium as well as long-term business plans
Undertaking research into products, pricing, promotions competitors and factors affecting performance
Managing budgets: Balance Sheet and P&L
Knowledge
Excellent Risk assessment skills
Excellent selling skill / Customer Service / Relationship Management capabilities
Strong strategic orientation
Good negotiation /presentation skills
Good oral and written communication skills
Commercial awareness, initiative and the ability to work as part of a team
Knowledge and understanding of Retail and public sector market
Advance Credit Skills
Initiative/Entrepreneurship/ taking ownership
Analytical Skills/ Technical /Problem solving
Excellent problem-solving
Good products knowledge
Interpersonal Skills
Self-motivated
Key Performance Indicators
Number and value of major deals brokered
Market share
Low cost of funds
Customer retention
Business volume growth rate: loans, deposits, fees
Revenue growth
Loan to deposit ration
Low levels of NPL’s as defined by the bank
Cost Management
Must meet Retail loans processing within 52 hours
Staff Retention
Customer satisfaction levels
Minimum Qualification and Work Experience
A good First Degree in any discipline.
A post graduate degree in any financial discipline
A recognized professional certification will be an added advantage
In depth understanding of business and functions related to the department
The candidate should have in-depth knowledge on analysis of Bank financials and other department functions in a bank.
Should be able to analyze market conditions and identify opportunity for business
Ability to think strategically and assist in the organization and management of multi-nationality team.
Experience in balancing financial and business performance
Advanced computer skills (Excel, Word, Access and PowerPoint)
Minimum of 12 years’ experience in a financial sector with at least 10 years’ experience in credit management
Credit evaluation experience with complex credits and structuring are involved.
Conversant with regulatory requirements in the industry.
