Head - Credit Administration, Policy & Governance

The role exists to perform the functions of monitoring and control of the good book to control the migration of the loans and advances and maintain migration and early vintage indicators within the set standards as set out in the Credit risk appetite policy as well as manage the stage disbursement of construction facilities and comply with Regulators general portfolio returns and Credit information sharing as per CBK guidelines with respect to data sharing, customer issue resolution.

Key Responsibilities

• To maintain the quality of check off loans’ portfolio through effective loan administration, monitoring and control for corporate and mortgage loans.
• Be the custodian of all credit and lending policies and governance frameworks including their periodic reviews and updates.
• Manage credit information sharing with the CRBs a in line with the CRB regulations Act. 
• Reviewing, developing, and implementing credit policies and strategies and ensure that the Bank maintains a sound loan portfolio with respect to compliance with state laws and regulations, Bank lending policies and procedures, risk appetite and best practices.
• Ensure adherence to risk management framework in identifying, controlling, monitoring and reporting of all risks. Work with respective unit heads to drive the development and execution of the Business Continuity Plans (BCP) and operational risk and implement effective control measures and monitoring plans for compliance and operational risk management.
• Ensure the portfolio management controls for grades 10 and 20 are effective at branch level and at regional portfolio management office level.
• Lead periodic reviews of credit portfolios to mitigate exposure to non-performing facilities.
• Ensure the Business teams under Retail Banking and Corporate Banking Credit authorities adhere to the policy regarding the credit authority discretions and excess.
• Generate Management information reports for control of the credit portfolio for the bank and for regulatory purposes.
• Maintain the SLA standards for credit information sharing complaints raised by customers.
• Monitor the construction loans to ensure that the conditions precedents are complied with.
• Preparation and submission of management and regulatory reports.
• Provide via sampling and testing and oversight, both a point in time and forward view of individual portfolio trending and remediation’s to either preserve or enhance asset quality, risk management and risk appetite.
• Develop a working relationship with business unit team leaders to highlight the key credit issues facing the area or product under review and helping to provide executive solutions to improve asset quality, risk management and problem debt identification. 
• Review and implement the Environmental and Social Management System (ESMS) policy and procedures by integrating them in the bank’s internal credit process and ensuring that environmental and social due diligence (ESDD) is undertaken for investment projects as per agreed performance standards and international best practices.
• Identify gaps, plan, design and co-ordinate the implementation of comprehensive credit training, operational risk, and compliance programs in consultation with HR Learning and development department and Risk Division.
• Co-ordinate the implementation of agreed action plans, tracking and timely closure of identified credit audit and operational risk issues. 
• Keep abreast of financial industry laws and regulations, emerging global banking trends and best practices relating to credit and provide regulatory expertise.
• Provide support to subsidiaries in reviewing and implementation of their credit policies and processes.

The Person

For the above position, the successful applicant should have the following:

• Bachelor’s degree from a recognized university.
• At least 10 years’ experience in Credit Management.
• At least 8 years’ experience in Credit Administration, People Management and Stakeholder Management.
• At least 5 years’ experience in Credit/lending Policy Development & Management, Lending Products Development, Credit Data Analytics & Analysis Tools and Bank Operations.

The above position is a demanding role for which the Bank will provide a competitive remuneration package to the successful candidate. If you believe you can clearly demonstrate your abilities to meet the criteria given above, please log in to our Recruitment portal and submit your application with a detailed CV.

To be considered your application must be received by Friday 21^st June 2024

Qualified candidates with disability are encouraged to apply.

Only short-listed candidates will be contacted.