• Analyses and assumes responsibility for all new special supervision accounts assigned, delegating duties to Special Loans team as appropriate. This is a team leader role that will have both management and direct handling of account responsibilities. Prepares analysis and recommendations and executes. Presents and informs the Chief Credit Officer (CCO) / Risk Management in the management of accounts falling outside the incumbent’s delegated authority, as directed based on Bank’s policies, guidelines and and/or appropriate.
• Provides oversight and guidance to a team of risk managers specialising in handling high risk and non-performing loans. Possess excellent judgement combined with strong negotiating and communication skills, because each special supervision account is unique, requiring a specific course of action particular to that situation in order to maximise recovery, or minimise additional risk to the Bank. These actions must frequently be taken under tight time-constraints, and in adversarial situations.
• Aggressive restoration, divestment, or collection special supervision accounts.  The general objective is to restore identified accounts back to clean status within 24 months of referral, divest of accounts designated for exit within 18 months of referral, and liquidate or write off non performing accounts with two years of impairment designation accounts.
• Performs and ensures (for special loan managed accounts) in partnership with senior team leadership colleagues (including Credit Risk), Corporate Credit Risk adjudication officers, credit portfolio management, and line business managers, the identification and avoidance of excessive risks (including avoidance of legal and reputational risks) in managing the portfolio of high risk credit.
• Supports team within delegated parameters, ensuring negotiations, documentation, and implementation of work-out and restructuring arrangements for assigned accounts, travelling to attend meetings with customers and other creditors, and closely monitoring the work-out and restructuring activities of direct reports. Monitors progress within work-out plans, taking steps as appropriate to amend arrangements in accordance with changing circumstances, as required. Ensures team’s processes and procedures are both robust and efficient and that effective digital repositories are in place for special loans effective and timely functioning and regulatory compliance.
• Instructs Counsel on the preparation of documentation, including restructuring and financing agreements, and negotiates the agreements with debtors, investors, other creditors, and / or purchasers of assets.
• Negotiates and approves disposition of assets acquired through loan realisation proceedings, within delegated authority.
• Prepares periodic reports and keeps the Chief Credit Officer (and where appropriate, the Chief Risk Officer) informed on status of assigned accounts and progress of negotiations.
• Informs the Chief Credit Officer (and where appropriate the Chief Risk Officer) of material qualitative and quantitative developments concerning the Bank’s impaired loans and other high-risk assets, on both a scheduled and adhoc basis.
• Prepares analysis and recommendations related to classifications, loan loss provisions, and annual business and financial plans.
• Prepares targets and budget for the team and provides Chief Credit Officer with periodic reporting of actuals versus targets.
• Ensures all SLU owned internal policies and/or guidelines are fit for purpose and updated, revised, renewed in a timely manner.

• Professional qualification – Associate of Chartered Institute of Bankers or equivalent
• Full competency in all aspects of credit analysis and thorough knowledge of the canons of lending.
• Thorough understanding of the corporate market credit risk.
• Knowledge of the systems and programmes commonly used in credit risk management and the ability to create, customise and apply prototypes is desirable.
• PC literacy
• Extensive knowledge of the key components and variables that impact upon credit risk and practical legal / documentation risks.

• Good interpersonal skills with ability to influence and negotiate to win-win solutions.
• Seasoned, highly skilled negotiator
• A skilled communicator – communicates decisions clearly, ability to communicate effectively, clearly and concisely (both verbal and written) to internal partners, customers and with external professionals.
• Well-developed analytical skills including ability to analyse financial statements, interpret financial ratios and assess credit and business risks
• Proven adaptability, use of initiative and ability to work under pressure
• Appetite for change, flexibility and must be very proactive.
• Strong decision maker - decisive.
• Prepared to seek out new approaches to achieve goals
• Strong self belief yet open to challenge
• Strong leadership qualities, sets and meets own high standards and ensure team does likewise.
• Strong business acumen.
• Results orientated
• Relationship builder
• Forward thinker / conceptual thinker
• Consensus builder

• Minimum ten years’ banking experience at management level. 
• Minimum of five years’ experience in troubled loan restructuring and workouts.
• Experience interfacing with clients.
• High degree of initiative, a self-starter and self-motivated to work without close supervision and to work with ambiguity.
• Proven experience in lending, risk and security matters gained from exposure in Corporate and / or credit risk management is mandatory.
• Experience in formulating policies and strategies

JOB SNAPSHOT:
Category: Risk Management
Function: Risk Management
Position reports to: Chief Credit Officer

Expiry Date: 04/04/2025