Scope of the Role

• The Head of Credit & Risk Management will be responsible for the monitoring and management of the credit portfolio of the Bank as well as developing and implementing systems, policies, and procedures aimed at credit administration and credit risk mitigation.

Specific Responsibilities

• Planning, designing, implementing, and managing the overall credit administration and credit risk management process for the bank by developing the credit risk management framework, policies, processes, procedures, and reporting standards that define the bank’s credit risk strategy and appetite in line with its overall business objectives.
• Monitor the business development for emerging credit risks and recommend policies and procedures to improve the credit risk management process.
• Facilitate the identification, assessment, measurement, monitoring, controlling, and reporting the level of credit risks
• Maintain oversight over the bank’s enterprise credit risk management activities.
• Ensures proper documentation of credits by adhering to set documentation standards and procedures.
• Define the credit approval framework and recommend credit approval limits in line with banks’ policy.
• Analysis and appraisal of Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines.
• Conduct periodic stress tests and scenario analysis, assessing the impact to the Bank’s credit portfolio, and make appropriate recommendations to senior management for appropriate action.
• Review and analyze the delinquent portfolio to identify key causal factors, make recommendations, and track them to ensure adequate and timely closure.
• Monitor violations of credit policies, provide analysis, conclusion, and recommendations, present findings to senior management, and suggest actions/penalties to be taken when appropriate.
• Prepare timely, comprehensive, and reliable credit risk reports for senior management and the board regularly
• Provide support, education, and training to staff in respect of credit administration, as well as to create credit risk awareness.
• Other duties as assigned by the Chief Executive Officer