Credit Manager - Banking

Exciting opportunity to join a strong bank as a credit manager. This role will report to the chief credit officer and oversee a team. Great opportunities for career growth.

Key Responsibilities:

• Credit Analysis and Risk Assessment:
• Evaluate the creditworthiness of potential and existing clients, including individuals and businesses.
• Analyze financial statements, credit reports, and other relevant data to assess risk.
• Develop and maintain credit scoring models to predict loan performance.
• Loan Process Management:
• Oversee the entire loan application process, from initial inquiry to loan disbursement.
• Approve or reject loan requests based on creditworthiness and risk assessment.
• Negotiate loan terms and conditions with clients.
• Monitor loan performance and manage debt settlements and loan renewals.
• Credit Policy and Compliance:
• Develop, review, and update credit policies and procedures.
• Ensure compliance with relevant laws, regulations, and industry best practices.
• Maintain accurate records of loan applications and credit transactions.
• Relationship Management:
• Build and maintain strong relationships with clients, internal teams, and external stakeholders.
• Collaborate with sales and marketing teams to support business growth.
• Address and resolve customer inquiries and disputes related to credit issues.
• Financial Performance:
• Calculate and establish loan interest rates.
• Monitor and manage the credit risk portfolio to minimize potential losses.
• Contribute to the overall profitability of the bank by optimizing credit risk and sales.

Requirements:

5 years of credit experience

Bachelors degree or relevant experience

Strong attention to detail and excellent communication skills