I&M Bank – Credit Manager.

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Primary responsibilities:

  • Review credit applications for adherence to CBK Prudential Guidelines, Bank’s Credit Policy, Credit Guidelines and Product Program requirements and approve credit applications within delegated authority.
  • Identify, measure, and mitigate risk using identification tools and risk rating models and providing recommendations to the relevant credit authority for sanction/decisioning.
  • Analyse and recommend of staff loan credit applications in line with the approved staff loan credit requirements.
  • Undertake credit analysis of bank counterparties (financial institutions) & insurance companies using both quantitative and qualitative factors in compliance with the country risk policy.
  • Conduct periodic review of Non-Performing Accounts to identify gaps that led to the non-performing status.
  • Monitor assigned portfolio for quality and identification of early warning signs within the portfolio. Continuously engage with the relationship team to remedy the position to deter further deterioration.
  • Ensure accompanying securities such as insurance covers and valuation reports are in place.
  • Review facility limits and excesses to ensure extensions and sanction are within the Delegated Authority Matrix.
  • Conduct site/client visits in line with the approved calling program.
  • Review Risk Control Self Assessments (RCSA) and audit requirements to ensure compliance.
  • Review Credit Facility Contracts for alignment of terms and conditions to approvals in the Loan Origination System (LOS).
  • Coordinate and collaborate with branch relationship teams, credit documentation, legal and credit administration teams on matters related to lending for Premium and Business Banking segments.
  • Conduct regular market research on the new products, industry practices and any other developments with high potential impact on lending.
  • Review segment product papers and highlighting risks and opportunities pertaining to the same for sanction/decision.

Minimum requirements

  • At least 7 years relevant experience; 3 of which must have been at managerial level.
  • Bachelor’s Degree in Business, Finance, Economics, Mathematics, Statistics, or a related field from a recognized institution.
  • Masters’ Degree will be an added advantage.
  • Member of the AKIB or equivalent professional body.
  • Excellent communication and interpersonal skills.
  • Strong people-management and leadership skills.
  • Advanced financial risk analysis skills.

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