The Senior Manager, Business Credit Support will lead a team of business credit analysts and act as a key link between Relationship Managers and Credit to ensure that all credit proposals are well-structured, risk-mitigated, and aligned with the Bank’s appetite. The role ensures efficient turnaround times, portfolio monitoring, and risk containment to build a strong, sustainable, and profitable asset book.

Key Responsibilities:

Strategy & Advisory

Provide expert guidance on credit trends and sector-specific risks.

Drive continuous improvement of credit processes and policy reviews.

Build strong collaboration between business and credit units through joint engagements and forums.

Facilitate joint customer visits with credit to understand customer’s business models and operations that will support in decision making.

Developing a detailed structure that would enable him/her monitor the quality and speed of processing business applications initiated from all business units to final decision being made.

Act as key advisor to business, provide guidance on sectors and impact of emerging trends on the respective sectors.

A key accountability of the Senior Manager Credit Support role is to build quality asset portfolio by effectively monitoring asset’s performance through quarterly reviews of the asset book.

Credit Origination & Underwriting

Oversee timely and quality review of credit proposals before submission to Credit Dept.

Monitor credit turnaround times and ensure adherence to SLAs.

Conduct quarterly reviews of asset book to track performance and early warning signs.

Review credit proposals originated from the business unit as per agreed thresholds as stipulated in the credit process workflow.

Portfolio & Risk Management

Ensure annual reviews, covenant tracking, and stress testing of portfolios.

Support distressed account monitoring and proactively flag early warning signals.

Participate in industry outlook reviews to guide credit strategy.

Support in interrogating and providing input on the Asset pipeline from the Relationship

Managers to ensure that bankable transactions are being on-boarded and in line with the strategy.

Client Relationship Support

Partner with Relationship Managers to ensure client needs are met and credit facilities are disbursed efficiently.

Conduct joint client visits and produce quality call reports.

Ensure customer information is handled with confidentiality and in line with policy.

Reporting & Analytics

Provide regular reports on TAT, portfolio quality, covenants, OD management, and restructuring.

Prepare Board papers for Credit proposals and Management reports for the Unit.

Benchmark industry ratios and peer analysis to guide decision-making.

People & Team Leadership

Mentor, coach, and develop credit analysts within the Unit.

Drive performance management, talent development, and team engagement.

Operational Excellence & Compliance

Ensure all credit files and client documentation are complete and compliant.

Enforce AML, KYC, Shariah, and other regulatory requirements.

Address audit findings promptly and ensure resolutions are implemented.

Qualifications & Experience

A Bachelor’s degree in Finance, Economics, Business, or related field

Master’s degree will be an added advantage

Professional Credit/ Finance qualifications (e.g., CPA, ACCA, Credit Management)

At least 7–10 years’ experience in Commercial banking or Credit Risk with proven team leadership

Strong understanding of credit underwriting, portfolio management, and sector analysis

Excellent analytical, communication, and stakeholder management skills