Responsibilities

• Develop and implement the bank’s credit strategy in alignment with overall business objectives.
• Monitor and analyze market trends to identify opportunities for new credit products and services.
• Build and maintain relationships with key stakeholders, including regulatory bodies, customers, and partners.
• Oversee the entire credit approval process, ensuring compliance with the bank’s credit policy and regulatory standards.
• Supervise the preparation of credit proposals and ensure timely and accurate appraisals.
• Monitor loan disbursements and collections to achieve portfolio quality and minimize non-performing loans (NPLs).
• Design and implement effective credit risk management frameworks to ensure the sustainability of the loan portfolio.
• Conduct periodic reviews of credit policies to align with regulatory updates and market conditions.
• Ensure the proper classification of loans and adherence to provisioning requirements as stipulated by the Central Bank of Nigeria (CBN).
• Lead and develop the credit team, ensuring continuous training and capacity building.
• Set performance targets for credit officers and monitor their achievements.
• Foster a culture of accountability, teamwork, and customer-centricity within the credit department.
• Ensure all credit activities comply with CBN regulations, including reporting on credit risk and portfolio performance.
• Prepare and submit accurate credit reports to management and regulatory bodies as required.
• Liaise with auditors and examiners during audits to address credit-related queries and recommendations.

Requirements

• Candidates should possess an HND / OND / B.Sc Degreee with 10-20 years work experience.