Head Of Credit

2 weeks ago

Abuja, Nigeria Ultraviolet Microfinance Bank Full time

Job Description

  • The Head of Credit is responsible for overseeing the credit operations of the microfinance bank, ensuring sound credit risk management, and maintaining a high-quality loan portfolio.
  • This role involves developing credit policies, leading the credit team, and ensuring compliance with regulatory requirements and internal policies.

Key Responsibilities
Credit Policy Development:

  • Develop and implement credit policies and procedures to ensure prudent lending practices.
  • Regularly review and update credit policies to align with regulatory changes and market conditions.
  • Ensure policies are effectively communicated and adhered to across the bank.

Credit Risk Management:

  • Assess and manage credit risk, ensuring the bank maintains a balanced and high-quality loan portfolio.
  • Establish and monitor credit limits and exposure levels to minimize risk.
  • Conduct regular portfolio reviews to identify and address potential risks.

Loan Approval and Evaluation:

  • Oversee the loan approval process, ensuring timely and accurate credit assessments.
  • Evaluate complex credit applications and provide recommendations to the credit committee.
  • Ensure that credit assessments are thorough and compliant with established policies.

Portfolio Management:

  • Monitor the performance of the loan portfolio, ensuring timely collections and addressing delinquent accounts.
  • Develop strategies to enhance portfolio performance and reduce non-performing loans.
  • Prepare regular reports on portfolio quality and performance for senior management.

Team Leadership:

  • Lead, mentor, and develop the credit team to achieve performance goals.
  • Conduct performance evaluations and identify training and development needs.
  • Foster a positive and productive work environment that encourages teamwork and professional growth.

Customer Relations:

  • Build and maintain strong relationships with key clients and stakeholders.
  • Provide guidance and support to relationship managers in structuring and negotiating loan terms.
  • Address customer queries and issues related to credit applications and approvals.

Regulatory Compliance:

  • Ensure compliance with all relevant regulatory requirements and internal policies.
  • Liaise with regulatory bodies and ensure timely submission of required reports.
  • Conduct regular audits and reviews to ensure adherence to credit policies.

Qualifications

  • Bachelor’s degree in Finance, Economics, Business Administration, or a related field. A Master's degree or professional certification is an advantage.
  • Minimum of 8-10 years of experience in credit management, with at least 5 years in a managerial role.
  • Strong knowledge of microfinance banking credit operations and regulatory requirements.
  • Experience working in a bank is mandatory.
  • Excellent leadership, communication, and interpersonal skills.
  • Proven ability to manage and lead a diverse team.
  • Strong analytical and problem-solving skills, with a focus on risk management.
  • Ability to work under pressure and meet tight deadlines.

Key Competencies:

  • Credit analysis and assessment
  • Risk management
  • Strategic thinking and planning
  • Customer focus
  • Team leadership and development
  • Financial acumen.

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