Senior Credit Manager

About the role

The Senior Credit Manager assists the Chief Risk Officer in leading and overseeing the Credit Underwriting function, ensuring the bank maintains a sound credit risk profile, effective governance and a robust credit risk management framework.

Key responsibilities

• Jointly oversee the Credit Underwriting function and align it with the Bank's strategic objectives and risk appetite.
• Review and recommend material and complex credit proposals to senior management and Credit Committees.
• Review and approve credit recommendations from analysts and managers within delegated authority, and advise on changes to internal policies and procedures.
• Undertake the annual review of credit policies and the risk-appetite framework, and help formulate new ones in line with regulatory requirements.
• Ensure credit underwriting practices meet regulatory expectations and industry best practice.
• Oversee portfolio quality and emerging credit risks, and drive portfolio reviews and strategies to improve asset quality and underwriting standards.
• Drive improvements to credit policies, procedures, frameworks and management information systems.
• Ensure effective regulatory reporting and engagement with internal and external stakeholders.
• Advise senior management on credit risk matters and represent the Credit Underwriting function in management forums, committees and regulatory engagements.

Required profile

• Bachelor's degree in Banking and Finance, Finance, Accounting or a similar field acceptable to the Bank.
• Master's degree in Banking and Finance, Accounting or a similar field acceptable to the Bank.
• Minimum of 10 years of banking experience, including at least 7 years in Credit Underwriting and significant people management responsibilities.
• Professional qualification such as ACA, ACCA or CFA is an advantage.

Required skills

• Extensive knowledge of corporate, commercial and retail credit underwriting and portfolio management.
• Strong understanding of banking regulations, prudential standards and credit governance.
• Strategic thinking, leadership, analytical and decision-making skills.
• Excellent communication, presentation and influencing skills, and strong stakeholder management.