Responsibilities
Credit Risk Management Strategy:
- Develop and implement a comprehensive credit risk management strategy aligned with the bank's overall business objectives.
- Establish clear credit policies and procedures for loan origination,underwriting, and collection.
- Conduct regular credit risk assessments tidentify and mitigatepotential risks.
- Develop and monitor key credit risk metrics and reporting tools.
Loan Origination and Underwriting:
- Oversee the loan origination process, ensuring adherence to credit policies and procedures.
- Lead the loan underwriting team in assessing the creditworthiness ofloan applicants.
- Implement effective loan structuring and pricing strategies.
Loan Collection and Portfolio Management:
- Develop and implement strategies for effective loan collection and delinquency management.
- Oversee the loan portfolio and ensure its quality and profitability.
- Minimize non-performing loansand manage loan restructuring when necessary.
Compliance and Regulatory Reporting:
- Ensure compliance with all relevant credit risk management regulations and reporting requirements.
- Maintain strong relationships with regulatory authorities.
Team Leadership and Development:
- Lead and manage the credit department, fostering a high-performing and professional team.
- Provide coaching and mentoring tstaff for continuous improvement.
Requirements
- Minimum of 3 years of experience in a senior credit risk management role,
- preferably in a microfinance or financial services industry.
- MCIB (Member of the Chartered Institute of Bankers) certification or equivalent professional qualification is an added advantage.
- Proven track record of developing and implementing successful credit risk management strategies.
- Strong understanding of microfinance credit risk principles and practices.
- In-depth knowledge of BankOne Solution or similar software.
- Excellent analytical and problem-solving skills.
- Strong communication, interpersonal, and leadership skills.
- Ability twork independently and as part of a team.