Credit Manager
Credit Manager
Posted on :
13-02-2025
Employer Active
1 Vacancy
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Job Description
Credit Strategy and Policy Development:
- Develop implement and review credit policies procedures and guidelines to ensure alignment with regulatory requirements and organizational objectives.
- Establish clear lending criteria and risk management practices to maintain portfolio quality.
Loan Portfolio Management:
- Oversee the performance of the loan portfolio ensuring timely disbursement monitoring and collection of loans.
- Analyze portfolio trends to identify risks and opportunities for growth.
Credit Risk Assessment:
- Evaluate and approve credit applications ensuring a balance between risk and return.
- Conduct credit risk assessments including customer due diligence and financial analysis.
Team Leadership and Development:
- Manage train and mentor the credit team to ensure high performance and adherence to credit policies.
- Foster a collaborative environment focused on achieving the bank s credit and risk management objectives.
Regulatory Compliance:
- Ensure all credit activities comply with regulatory standards internal policies and external audit requirements.
- Prepare and submit reports to regulatory authorities and management as required.
Stakeholder Engagement:
- Collaborate with other departments including operations marketing and finance to ensure a seamless customer experience.
- Engage with clients and business partners to build relationships and expand credit opportunities.
Performance Monitoring and Reporting:
- Monitor loan repayment performance ensuring timely identification and resolution of delinquencies.
- Provide detailed reports and recommendations to senior management on credit portfolio performance.
Requirements
- Minimum of 5 years relevant work experience
- CIBN and other relevant certification(s) is an added advantage
- Experience working in a financial institution and understanding of CBN stipulated ratio standards reporting and other relevant guideline is a must have
- Previous and proven usage of Microsoft office accounting and core banking solutions is essential for the role holder
- Experience working with startup is an advantage but not compulsory
- Excellent verbal and written communication and presentation skills is required
- Candidate must possess the ability to work independently and part of a team should be a selfstarter
- Strong knowledge of credit risk assessment financial analysis and lending principles.
- Proficiency in financial modeling and loan management systems.
- Familiarity with microfinance regulations and compliance requirements.
Employment Type
Full Time
Key Skills
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