Credit Manager - Credit Analysis, Credit Appraisal, Credit Underwriting

Position Summary

The Credit Manager will play a critical role in maintaining the integrity and accuracy of the credit assessment process while ensuring adherence to regulatory standards. This position requires a comprehensive understanding of credit evaluation techniques, particularly within the SME and mid-corporate segments.

Principal Responsibilities

• Conduct in-depth credit analyses to assess the financial viability and creditworthiness of potential clients.
• Prepare detailed credit appraisal reports and present findings to relevant stakeholders for informed decision-making.
• Oversee the credit underwriting process, ensuring compliance with established lending policies and risk management guidelines.
• Collaborate with sales and risk management teams to formulate credit strategies that align with organizational objectives.
• Monitor existing credit portfolios, identifying emerging risks and recommending appropriate actions to mitigate potential issues.
• Maintain accurate records of credit assessments and approvals, ensuring transparency and accountability.
• Stay updated on market trends and regulatory changes affecting SME banking, wholesale banking, and corporate banking practices.

Eligibility and Qualifications

• Bachelor's degree in Finance, Business Administration, or related field; a master's degree or relevant certifications is desirable.
• Demonstrable expertise in credit analysis, appraisal, and underwriting processes.
• Prior experience within SME banking or corporate banking environments.

Key Competencies

• Strong analytical abilities with meticulous attention to detail.
• Excellent communication skills for effective interaction with clients and internal stakeholders.
• Proven capacity for strategic thinking in developing credit solutions.

Suitably qualified candidates are encouraged to apply for this role.