Relationship Manager – Credit

Job Purpose

The Branch Credit Manager is responsible for overseeing the credit operations within the branch, ensuring the effective management of credit risk, and maintaining the quality of the loan portfolio. This role involves evaluating loan applications, making credit decisions, and ensuring compliance with the bank’s credit policies and procedures.

Key Responsibilities

• Credit Underwriting Management: In charge of the credit underwriting process and chair of the Branch Credit Committee (B.C.C).
• Reporting & Analysis: Responsible for all credit reports such as PAR analysis, portfolio distribution reports, monthly credit reports, and any other information required by the Branch Manager.
• Coordination: Coordinate the perfection process from branch through head office and the Legal Department.
• Service Level Agreement (SLA): Monitor adherence to the Bank’s SLA with various stakeholders along the credit process.
• Compliance Enforcement: Enforce compliance with all credit policies, procedures, and other regulatory policies at the branch.
• Document Management: Oversee proper customer records and documents management in the branch.
• Transaction Verification: Verify branch system transactions relating to credit activities.
• Portfolio Quality Support: Proactively support the Relationship Manager – Business in managing portfolio quality and minimizing delinquency.
• Credit Evaluation: Assess and evaluate loan applications to determine creditworthiness and risk.
• Decision Making: Approve or recommend credit decisions within delegated authority limits.
• Customer Service: Provide excellent customer service by addressing client inquiries and resolving credit-related issues.
• Reporting to Senior Management: Prepare and present credit reports and analysis to senior management.
• Training & Guidance: Provide training and guidance to branch staff on credit policies and procedures.
• Liaison: Act as the liaison person between the branch and the regional office credit function.
• Other Duties: Perform any other duties as assigned from time to time.

Qualifications, Experience & Competencies

Education

• Bachelor’s Degree in finance or a related field.

Experience

• At least 8 years of relevant working experience, with 3 of these having been in a credit administration role.

Skills & Knowledge

• Thorough understanding of the Bank’s lending strategy across various segments/sectors.
• Proven credit risk management track record supported by strong underwriting skills.
• In-depth understanding of credit risk assessment, loan processing, and regulatory requirements.
• Relevant certifications in credit management or banking are a plus.