ROLES AND RESPONSIBILITY

• Large Enterprises Credit Origination
• Procure support through reviewing and presentation of Large Enterprise credit proposals (Asset Finance Facilities, Trade Finance & Agri-based Facilities) to Group Office Credit Advisory Committee (GOCAC) for respective subsidiaries Board Credit Committee (BCC) approvals.
• Ensure Facilities supported are within the Group’s lending framework and where there are breaches of policy, there is adequate identification and mitigation.
• Review approval papers such as Indicative Term Sheets and Letters of Offer.
• Review and structure requests for non-funded facilities (Letters of Credit & Guarantees) in liaison with the Trade Finance Department.
• Support the Group’s Debt Recovery Unit (Group Special Assets) to ensure that requests relating to delinquent facilities e.g. interest stoppage, restructuring and refinancing, are processed in good time.
• Ensuring Turn-Around-Times (TATs) as per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Group Credit Origination section from Subsidiaries (Bank and Non-Bank).
• Monitor legal and regulatory developments that impact risk and lending processes and ensure the Group is in compliance with local and international (where applicable) regulatory requirements.
• Monitor local, national and international economic and/or political indicators as they affect lending decisions/processes.
• Research and obtain sufficient and appropriate information for evaluating business risk
• Maintain financial information on loan accounts including financial covenants, spreads and interim reports.
• Ensuring compliance with Group Lending Framework and Policies
• Ensuring implementation of effective controls over the credit process to ensure a robust control environment.
• Ensure policy breaches/ exemptions are properly authorized at the correct level.
• Proactively review credit facilities/risks and advise Group Head Credit Origination on the findings
• Proactively improve the Group’s credit portfolio through continuous and never-ending improvement.
• Customer Service
• Work with other units to ensure good customer service while maintaining appropriate risk Management culture in the Group.
• Provide Credit Origination technical advice or other assistance to all stakeholders in the Group as needed.

Skills required to undertake the role

• Credit Management and monitoring skills
• High level of negotiation skills to be able deal with different stakeholders.
• Financial analysis skills and understanding of the Credit Policy and lending Policies
• Presentation skills & interpersonal skills
• High level of analytical skills
• Ability to handle pressure, conflicting priorities and manage constant changes.
• Ability to handle and manage complex credit transactions and offer solutions to the Group
• Ability to manage/balance between business development needs with sound portfolio management and justify rationale for recommended transactions
•  Knowledge of the Banking products, services, policies and or any other specialist knowledge required to undertake the role.
• An in-depth knowledge of the bank’s products relating to all credit products
• Excellent understanding of regional and/or global lending framework with particular emphasis on presence countries.
• A good knowledge of CBK’s prudential guidelines as pertains to lending.
• Excellent knowledge of general banking procedures and policies as well as regulations.
• In-depth understanding of business environment and financial markets with more focus on presence countries.
• A good knowledge of the Banking operating procedures and approval process.
• A general knowledge and awareness of the current business trends and practices.
• A general knowledge of the Group’s vision and focus especially in relation to Business development and Management of risks.

Qualifications

EDUCATION AND SPECIAL REQUIREMENTS

• Master’s Degree and Bachelor’s degree preferably in STEM, business, finance or accounting. Professional Banking or Accountancy not limited to AKIB/ACIB CPA, ACCA or CFA will be an added advantage.
• At least 15 years of Credit experience of which 5 must be at credit analysis
• High data rationality, detail consciousness with high analytical and numerical skills
• Ability to interpret financial and legal documents.
• Good computer skills.