Credit Manager

Final interview stage - only interviewed candidates progressing

Overview of role

The Credit Manager ensures the long term business success through effective management of credit risk and maximises Bayport's rate of return by maintaining credit risk exposure within targeted parameters. He/she is responsible for the oversight and administration of the company’s loans, including the establishment of internal loan controls and written policies and procedures, ensuring the quality of the loan portfolio.

Job description

Strategic Initiatives

Develop Credit Risk Strategies

  • Develops, maintains, and updates the credit risk governance framework
  • Manages risk infrastructure
  • Manages risk integration and links between risks
  • Incorporates risk elements in performance metrics

Operational

Risk Management Responsibilities

  • Identifies and resolves material credit risk issues
  • Develops continuous monitoring and improvement of the quality of the organisation’s credit and lending portfolio through credit policy direction and implementation
  • Designs sustainable processes to mitigate credit risk by framing the breadth and depth of control testing, evaluating business operations, participating in the evaluation of new products and business opportunities, and providing aggregated and detailed reports on credit risk in line with risk appetite and limits

Reporting

  • Helps guide management to see a global view of in-country credit risk:
  • Provides clear, concise and objective guidance to management and comprehensive summary reports to the appropriate committees including Credit Committee, and any other forums or committees as tasked.
  • Provides regular review and analysis of portfolio trends to detect deterioration in portfolio quality. This includes the monitoring and control of the credit portfolio by ensuring that all credit exposure is properly approved, reported and reviewed.
  • Prepares problem loan reports for senior management and the Credit Committee and identifies loans meeting non-accrual and charge-off criteria

Oversight Responsibilities

  • Reviews various loan products, making recommendations on structure, terms, pricing, and vendor/channel oversight required
  • Ensures risk and return objectives are clearly communicated to accountable business managers
  • Ensures supporting documentation is maintained in compliance with the Credit Committee requirements

Please download full job description below for more details

Requirements, Education and Experience

  • Bachelor’s degree in a related field
  • Chartered Accountant is preferable
  • Credit related training
  • Senior management training
  • 10-15 years financial services experience
  • 5 or more years in a leadership role as a comprehensive credit/lending manager with a financial institution
  • 3-4 years of financial industry experience

Closing Date: Sunday 19 August, 2018

Detailed information

Location

Gaborone

Specifications
Match criteria
Region
  • Gaborone
Education level
  • Post Graduate
  • Degree
Industry
  • Accountancy/administration
  • Banking and insurance
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