Job Summary

The incumbent will be responsible for generating new business from identified target markets and expanding on existing base towards the achievements of the Unit’s strategic objectives, while ensuring the safe and effective administration of the Unit’s loans portfolio by exercising sound credit judgement in approving and recommending applications. He/she will also be responsible for monitoring Commercial and personal credit quality conditions and collections activity.

Key Duties and Responsibilities 

• Develops and implements marketing strategies and engages in new business development activities of profitable relationships
• Approves credit applications within delegated lending limits and where necessary recommends to the higher approving Authority / Senior Manager / Head – Commercial or the Group Credit Risk Management Unit
• Maintains a regular Call Program on customers (new/prospective) with the intention of building and maintaining banking relationships
• Ensures compliance of each application with the Bank’s policies and procedures
• Reviews internal credit decisions and monitors the quality of the Unit’s credit and makes recommendations for corrective actions as appropriate and within acceptable time limits
• Keeps abreast of changes of the Bank’s policies, economic and business trends and legislation, as well as an awareness of accounting practices, government tax regulations and other factors relating to financial statement presentations
• Establishes and manages a remedial system for the correction of deficiencies as identified by Auditors
• Contributes to profitable growth in the Unit by ensuring optimum pricing on all credits within policy guidelines
• Identifies formal credit training needs, monitors and develops staff to ensure that credit applications are made with due regard for portfolio risk and sound credit judgement
• Performs all other duties, assignments and special projects as assigned by the Head – Commercial Banking

Qualifications and Experience 

• Candidates must possess a Bachelor’s Degree in a Business related field from a reputable University or other professional qualification from a recognized professional body e.g. CFA, CIMA, ACCA and five (5) years progressive experience in banking, at least two (2) of which must be at a Managerial Level
• OR an Executive Diploma/Diploma and seven (7) years progressive experience in banking, at least five (5) of which must be at a Managerial Level
• OR a GMDP Certificate and ten (10) years progressive experience in banking, at least seven (7) of which must be at a Managerial Level
• Certifications in Accounting and Credit Risk will be an asset
• Working knowledge and understanding of the economic and general business environment and the banking and financial services industry
• Working knowledge of relevant legal and regulatory requirements both locally and regionally
• The ideal candidate must possess knowledge in the preparation of financial statements as well as the bank’s products and services

Applications should be submitted no later than March 05, 2025.