Team Member - Wholesale Credit

Responsibilities

• Evaluate credit risk by conducting thorough financial and business analysis to assess corporate clients’ creditworthiness using models, benchmarks, and sectoral insights.
  
• Recommend or approve credit limits and terms within delegated authority while ensuring alignment with the organization’s risk appetite and policy frameworks.
  
• Design and implement credit policies, exposure limits, and scoring systems to manage risk effectively.
  
• Track and control the wholesale credit portfolio by identifying early warning signs and ensuring compliance with approval conditions.
  
• Enhance internal processes and turnaround times to meet service level agreements and improve operational controls.
  
• Monitor and control the wholesale credit portfolio by daily reviewing and monitoring the corporate loan portfolio to ensure compliance with post-approval conditions, sanctioned limits and Bank policies, and recommend inclusion of deteriorating accounts in the Early Alert Accounts List.
  
• Collaborate with internal teams such as business units, legal, finance, and compliance, and participate in credit committees to align decisions with business goals.
  
• Promote best practices across business units and foster collaboration to strengthen the Bank’s risk profile.
  
• Pursue personal development and proactively seek greater responsibilities to enhance professional growth.
  
• Prepare and present credit reports, risk dashboards, and portfolio reviews to senior management.
  
• Maintain audit-ready documentation and support internal and external audits.
  

Other Requirements

Education and Professional Qualifications

• Bachelor’s degree in Finance, Accounting, Business or a related field from a recognized institution.
  
• Certified Credit Professional (CCP) or Diploma in Credit Management.
  
• Professional certification in AKIB/CIB, CPA (K) or ACCA.
  
• Master’s degree in a Business-related field from a recognized university is an added advantage.
  

Experience

• Minimum of 7 years’ work experience in banking, of which five (5) years must be in Corporate Credit and relationship management at a management level
  

Responsibilities

• Evaluate credit risk by conducting thorough financial and business analysis to assess corporate clients’ creditworthiness using models, benchmarks, and sectoral insights.
  
• Recommend or approve credit limits and terms within delegated authority while ensuring alignment with the organization’s risk appetite and policy frameworks.
  
• Design and implement credit policies, exposure limits, and scoring systems to manage risk effectively.
  
• Track and control the wholesale credit portfolio by identifying early warning signs and ensuring compliance with approval conditions.
  
• Enhance internal processes and turnaround times to meet service level agreements and improve operational controls.
  
• Monitor and control the wholesale credit portfolio by daily reviewing and monitoring the corporate loan portfolio to ensure compliance with post-approval conditions, sanctioned limits and Bank policies, and recommend inclusion of deteriorating accounts in the Early Alert Accounts List.
  
• Collaborate with internal teams such as business units, legal, finance, and compliance, and participate in credit committees to align decisions with business goals.
  
• Promote best practices across business units and foster collaboration to strengthen the Bank’s risk profile.
  
• Pursue personal development and proactively seek greater responsibilities to enhance professional growth.
  
• Prepare and present credit reports, risk dashboards, and portfolio reviews to senior management.
  
• Maintain audit-ready documentation and support internal and external audits.
  

Other Requirements

Education and Professional Qualifications

• Bachelor’s degree in Finance, Accounting, Business or a related field from a recognized institution.
  
• Certified Credit Professional (CCP) or Diploma in Credit Management.
  
• Professional certification in AKIB/CIB, CPA (K) or ACCA.
  
• Master’s degree in a Business-related field from a recognized university is an added advantage.
  

Experience

• Minimum of 7 years’ work experience in banking, of which five (5) years must be in Corporate Credit and relationship management at a management level