Credit Manager

Key Responsibilities

• Conduct quality assessment and make prudent decisions on loan applications within delegated authority or recommend to higher approval levels
• Ensure compliance with turnaround times and agreed Service Level Agreements (SLAs)
• Provide guidance, mentoring, coaching, and technical support to credit teams across the branch network
• Drive growth of a healthy credit portfolio while minimizing risk
• Support development and review of credit products, policies, and appraisal tools
• Identify training needs for credit teams and recommend appropriate capacity-building initiatives
• Support the Head of Credit or Senior Credit Manager and act in their capacity when required

Daily Responsibilities

• Approve credit applications within delegated lending authority
• Assess and recommend credit applications above approval limits
• Coach and mentor credit analysts at Head Office
• Monitor pre-approved loan applications to ensure timely processing within SLAs

Other Duties

• Conduct or recommend credit training for Credit Analysts and Relationship Managers
• Prepare and submit Board Credit Committee memos within required timelines
• Participate in 360-degree reviews and customer feedback analysis
• Review new or revised credit product proposals
• Ensure applications are processed within turnaround time to avoid backlogs
• Conduct periodic customer visits to assess business performance and facility utilization
• Perform any other duties as assigned

Minimum Qualification Requirements

Education

• Bachelor’s degree in Economics, Finance, or a business-related field (Required)
• Master’s degree in a relevant field (Added Advantage)

Professional Qualifications

• Certification in Credit Management, Credit Risk Management, or related field (Required)

Experience

• Minimum 6 years of relevant experience

Breakdown of Experience

• Relationship Management: 1 year
• Credit Underwriting and Approval: 4 years
• Credit Portfolio Management: 1 year

Key Competencies

• Strong credit analysis and risk assessment skills
• Leadership, coaching, and mentoring ability
• Decision-making and problem-solving skills
• Strong understanding of credit policies and regulatory requirements
• Excellent communication and stakeholder management skills