Head, Corporate Credit

Position Overview

This position is responsible for approvals of corporate loans through analysis of credit applications in accordance with the Bank's lending policies, CBK Prudential Guidelines, and best practices. The role aims to achieve quality growth in the corporate asset book in line with strategic plans.

Key Responsibilities

• Evaluate and approve credit proposals (new, renewals, one-offs, permanent, amendments, cancellations, etc.) received from the Corporate unit in line with specific credit guidelines as set within existing policy/manual/product documents
• Analyze credit applications considering market, industry, economic factors, and financial statements; recommend proposals beyond DLA for consideration
• Verify and analyze credit information and documentation such as bank statements and financials provided by RMs/Customers
• Seek clarification from other sources when needed; liaise with RMs for queries, additional information/documents, and business recommendations for deviations
• Visit clients/Centers/Branches independently or with RMs/Manager as part of credit proposal evaluation to gain better understanding of the client, business, and market
• Conduct periodic reviews of credit decisions made by Credit authority holders within the unit
• Attend to Audit requirements and provide responses to audit remarks; ensure rectification within the Corporate Credit Department
• Monitor Corporate Banking portfolio for renewals, limits dropping, early vintage performance, migration, and PAR
• Monitor compliance with TAT and other service level agreements
• Support creation of new policies and manuals; continuously streamline and update existing Credit Policies and Manuals
• Support creation and update of new and existing product standards and guidelines for corporate product programs

Education, Professional Qualifications, Skills & Experience

Bachelor's degree required