Credit Manager

Duties:Implement loan origination strategies with lending teamReview and recommend credit applications and transactions within assigned credit limits in a timely mannerProvide independent, objective reviews and recommendation to credit applications and other matters which have been agreed to and/or recommended by the Loan OfficersReview all loan applications and sign off prior to submission to senior management, to ensure the completion of due diligence and adherence to the companys policies and guidelinesProvide motivation for recommendations on credit transactions/applications and communicate effectively with Loan Officers to ensure rationale and decision is clearly understoodWrite succinct credit memos or credit announcements to communicate credit perspective and rationale for new credits and credit extensionsCommunicate with Loan Officers about specific credit applications and transactions to seek further information and modifications, if needed. Discuss appropriate structuring for the deal and criteria required for approval. Ensure that all information is credible, accurate, and relevant, including analysis and evaluation of the technical aspects (e.g., financial analysis, credit terms, structure, and collateral)Review approval letters and loan agreements to ensure credit terms and conditions are recordedReview and recommend disbursements according to policies and guidelines to ensure lending conditions are metSupport the healthy and sustainable growth of a profitable loan portfolio by ensuring the credit granting and implementation is within the companys prescribed asset quality standardsMaintain records of loan applicationsWeekly, monthly, quarterly, semi-annually and annual reporting to senior management on lending activitiesPrepare reports for Board and external stakeholdersJob Experience & Skills Required: Bachelors Degree or Diploma in business or a related fieldMinimum 5 years SME lending experience is requiredAdditional SME support services experience is considered advantageousAnalytical skills and attention to detailsProblem-solving capabilities and excellent organizational and time management skillsProficiency with MS Office Suite of products