Credit Manager Commercial Bank at Brilliance Executive Management Consultancy

Job Description

Description:

Job Purpose

The Credit Manager will be responsible for reviewing all internal and external regulatory and ad-hoc financial reporting and information returns on the Bank’s lending activities. Custody and enforcement of Credit Policies and Frameworks. Ensure that the Bank is compliant with regulatory requirements in its lending activities. Optimize the Banks sales and reduce bad debt losses by maintaining the credit policy. Oversee the assessment of the creditworthiness of potential corporate customers and conduct periodic reviews of existing customers.

Summary of Key Responsibilities ;

Assessing the creditworthiness of commercial and personal bank customers. An individual in this role must have great attention to detail, as well as in-depth knowledge of continually evolving credit scoring and financial services products.
Take the lead in creating credit scoring models and negotiate loan terms with new and potential clients.
Management of internal and external audits and the resolution of audit findings.
Take ownership of audit action log, resolving outstanding findings. Audit facilitation and liaison between internal and external auditors.
Oversight of collateral custody processes and control. Management of disbursements of credit facilities in line with sanction terms and policy, including fee collection oversight.
Regularly updating Credit Policies and Frameworks to be in line with best practices as well as evolving business products and strategies.
Creating credit scoring models for risk assessments.
Mastery, interpretation and application of the Banking and Financial Services Act, Statutory Instruments, Circulars and publications governing Credit Activities.
Negotiating the terms of the loan with new corporate clients.
Board Pack preparation oversight, extends to ensuring action items are addressed, resolved and reported.
Ensuring all loans and lending procedures comply with regulations.
Periodically review and update the Bank’s credit policy.
Review of all Bank of Zambia Prudential returns.
Management of diary for monthly Management Credit Committee meetings, including circulation of pack and minutes.
Management of processes around disbursements of credit facilities in line with sanction terms and policy.

Required Skills and Personal Attributes

Excellent communication skills (Written & Oral)
Pay Attention to detail
Exceptionally analytical skills
Ability to Interpret complicated financial data
Excellent organizational skills
Excellent Interpersonal skills
Excellent Negotiating skills
Excellent Time skills

Primary Areas of Accountability:

Qualifications and Experience

Degree in Accounting, Finance, Banking, Business Management, or a similar field
A Masters in any of the above fields will be a plus
Must have at least a minimum of 10 years experience as a Credit Manager, Senior Credit Analyst in a Credit Environment of a Leading Commercial Bank
Must be well-vested in Credit Analysis, Evaluation and Control Managemen t
Ability to work with most Credit management software
Must be experienced in working with sensitive financial information
Good understanding of lending procedures
Must have an in-depth Financial Analysi s
Must be a people-person, with good interpersonal communication skills.
Should understand the lending procedures.

QUALIFIED & EXPERIENCED FEMALES ARE ENCOURAGED TO APPLY FOR THIS POSITION

If you meet the hiring requirements for the position, please email your CV in Ms Word and Cover Letter clearly stating your salary expectations to: [email protected] & Cc [email protected]

Note that, all communications will be kept in the strictest of confidence. If you do not receive communication within 21 working days of the closing date of the advert, please consider your application unsuccessful.

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