Background information about the job or company (e.g., role context, company overview)

To proactively monitor all credit facilities advanced by the Bank to its customers to reduce the effect of default and deterioration of accounts into non-performing status thereby reducing the impact of loss and provisioning.

Responsibilities or duties

• Check adherence to the Bank’s policies, procedures and all rules and regulations associated with business, mortgage, consumer and microfinance lending.
• Develop and implement tools for the identification of early- warning signals within the portfolio to contribute to ongoing enhancement of portfolio quality and proactively address any issues that arise.
• Ensure that all conditions relating to maintenance of securities in good order are satisfied, e.g., diaries for insurance policies, property revaluations, rent and rates are in place and working well.
• Ensure that the Bank’s securities are adequately insured and that insurance cover is up to date.
• Develop a methodology for tracking all post-loan-approval covenants and ensuring that any identified breaches are managed and escalated if necessary.
• Monitor and track covenants, exceptions, and deferrals.
• Conduct periodic monitoring of construction-project and contract financing.
• Work closely with credit teams and relationship personnel to implement the remedial plans by recommending appropriate actions for non-compliant customers.
• Monitor expired limits and renewals monthly.
• Monitor early warning account triggers daily.
• Prepare monthly covenant and monitoring reports to the Chief Credit Officer and Executive Credit Committee.
• Conduct site visits to projects.
• Participate in the implementation of system and project initiatives affecting the Credit Department.
• Periodically accompany Relationship Managers (RMs), Personal Bankers (PBs) and Business Bankers (BB) to client visits or meetings to address perceived credit risk matters.
• Periodically participate in the training of the business teams.
• Ensure that loans comply with ESG standards by coordinating post-¬approval checks as per the approval terms.
• Prepare quarterly monitoring reports on the agricultural portfolio, including field visits.
• Provide utilisation reports to facilitate onward disbursement in accordance with the approved terms.

Qualifications or requirements (e.g., education, skills)

• A Bachelor’s Degree in Risk Management, Finance, Commerce, Business Administration, Economics, Statistics, Management, or a related field.
• Possession of a certified banking qualification in a relevant field would be an added advantage.
• Relevant practical training in credit risk in the financial services sector.

Experience needed

• A minimum of five (5) years’ experience, with at least two (2) years in the Credit Risk Management domain.

Any other provided details (e.g., benefits, work environment, team info, or additional notes)

• Report-writing skills.
• Effective verbal and written communication skills.
• Good understanding of risk management principles.
• Possesses a working knowledge of banking regulations, credit- related laws and anti-money laundering laws.
• Possesses strong problem-solving abilities, including hypothesis- driven thinking and strong analytical, quantitative and conceptual skills.
• Thorough understanding of the evolving practices for the management of credit risk and regulatory requirements.
• Capable of professional discussions with internal and external stakeholders.
• Able to source data, perform periodic computations, and report on findings.
• The ability to communicate clearly both verbally and in writing in a professional manner is deemed essential.
• Ability to build effective working relationships across organizational, corporate, and cultural boundaries.
• Takes clear accountability and focuses on delivery of credit monitoring.
• Team player.
• Provides extraordinary service.
• Must be a person of impeccable integrity.
• Strong understanding of credit-related regulatory guidelines, legal risks, and applicable laws.
• Good knowledge of banking products, transactions, and credit risk management systems.

• Check adherence to the Bank’s policies, procedures and all rules and regulations associated with business, mortgage, consumer and microfinance lending.
• Develop and implement tools for the identification of early- warning signals within the portfolio to contribute to ongoing enhancement of portfolio quality and proactively address any issues that arise.
• Ensure that all conditions relating to maintenance of securities in good order are satisfied, e.g., diaries for insurance policies, property revaluations, rent and rates are in place and working well.
• Ensure that the Bank’s securities are adequately insured and that insurance cover is up to date.
• Develop a methodology for tracking all post-loan-approval covenants and ensuring that any identified breaches are managed and escalated if necessary.
• Monitor and track covenants, exceptions, and deferrals.
• Conduct periodic monitoring of construction-project and contract financing.
• Work closely with credit teams and relationship personnel to implement the remedial plans by recommending appropriate actions for non-compliant customers.
• Monitor expired limits and renewals monthly.
• Monitor early warning account triggers daily.
• Prepare monthly covenant and monitoring reports to the Chief Credit Officer and Executive Credit Committee.
• Conduct site visits to projects.
• Participate in the implementation of system and project initiatives affecting the Credit Department.
• Periodically accompany Relationship Managers (RMs), Personal Bankers (PBs) and Business Bankers (BB) to client visits or meetings to address perceived credit risk matters.
• Periodically participate in the training of the business teams.
• Ensure that loans comply with ESG standards by coordinating post-¬approval checks as per the approval terms.
• Prepare quarterly monitoring reports on the agricultural portfolio, including field visits.
• Provide utilisation reports to facilitate onward disbursement in accordance with the approved terms.

• Report-writing skills.
• Effective verbal and written communication skills.
• Good understanding of risk management principles.
• Possesses a working knowledge of banking regulations, credit- related laws and anti-money laundering laws.
• Possesses strong problem-solving abilities, including hypothesis- driven thinking and strong analytical, quantitative and conceptual skills.
• Thorough understanding of the evolving practices for the management of credit risk and regulatory requirements.
• Capable of professional discussions with internal and external stakeholders.
• Able to source data, perform periodic computations, and report on findings.
• The ability to communicate clearly both verbally and in writing in a professional manner is deemed essential.
• Ability to build effective working relationships across organizational, corporate, and cultural boundaries.
• Takes clear accountability and focuses on delivery of credit monitoring.
• Team player.
• Provides extraordinary service.
• Must be a person of impeccable integrity.
• Strong understanding of credit-related regulatory guidelines, legal risks, and applicable laws.
• Good knowledge of banking products, transactions, and credit risk management systems.

• A Bachelor’s Degree in Risk Management, Finance, Commerce, Business Administration, Economics, Statistics, Management, or a related field.
• Possession of a certified banking qualification in a relevant field would be an added advantage.
• Relevant practical training in credit risk in the financial services sector.