This is a Senior Management position whose holder should be a credit professional responsible for ensuring that Credit Administration function achieves its objectives of facilitating revenue generation, managing impairment, improving the risk control environment and delivery of business enablers within Credit Administration. This shall involve;

• Providing day to day and long range strategic direction for the Credit Administration function related to multiple product lines including Corporate lending, Business Banking lending and Personal lending as well as managing credit support functions.
• Creating, implementing and administering the Bank’s Credit Administration strategies, policies, procedures, credit approvals, portfolio management and portfolio reporting.
• Responsible for providing overall leadership successful goal attainment within the credit and risk mitigation areas across all product lines and departments to ensure safety and soundness while optimizing the profitability and sustainable growth of the organization.
• Monitoring the credit portfolio to ensure full compliance with the core principles of good lending enshrined in the Credit Policy, Banking Act, and BoU’s prudential guidelines and early recognition of problem credits so as to mitigate against credit risks within the Bank.
• Providing leadership of the Credit Administration team, efficient and timely credit service, resolving customer complaints and contributing towards achievement of the objectives of the department and the Bank.
• Ensuring that compliance objectives are met which includes audit and regulatory inspection outcomes as per annually defined targets.
• Adopting and developing a network of strong partnerships with the Business and Business Support teams and other functions of the Bank, particularly decision makers and influencers.
• Oversee the collection of portfolio at risk and recovery of non performing accounts. This includes collaborating with the Legal department in recovery actions in order to achieve the defined recovery targets.
• Participate in customer visits where appropriate in order to make the required credit risk input in acquiring new business, ongoing maintenance and handling problem accounts
• Provide credit application based coaching and discuss to the Credit Risk, Business and Business Support teams where appropriate to ensure effective development and delivery of bespoke risk solutions for customers.
• Proactively initiate and contribute to embedding agreed change management initiatives in support of process and quality improvements, cost reductions and development of people.
• Invest in continuous and comprehensive understanding of the local market, key clients, local market conditions and the capabilities and practices of competitors
• Supporting Business and Business Support teams in structuring of new and complex credit proposals to ensure the highest standard of credit quality of credit applications.
• Evaluate all credit proposals within the delegated mandate and those of the Board Credit Committee mandate and make appropriate recommendations.
• Prudent portfolio monitoring which includes coordinating the Management Credit Committee, overseeing the preparation of portfolio reports to Board, Board Credit Committee, Board Assets and Liabilities Committee, Management Credit Committee and other Board and Management committees as per the Bank’s governance structure. This includes preparation of portfolio reports/packs for Management Committees, Board Committees and Regulatory authorities
• Preparation of periodic credit stress tests for the Management and Board Credit Committee to examine quantitative impact on bottom line and capital levels based on different scenarios.
• Implementation of all decisions from the Board committees, Group office and subsidiary credit committee.
• Ensure the bank’s compliance with all regulatory requirements in the areas of credit, including compliance with lending limits, concentration, non-performance, classification, provision and writing off of debts.
• Participate in the continual review and update of the bank’s credit policies, guidelines and practices in line with changes in credit risk and the bank’s business priorities.
• Develop and implement talent plans incorporating the right staffing mix, succession and plans for professional and career development.

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