National Credit Manager

- Develop and implement credit policies and procedures in alignment with regulatory requirements and company objectives.

- Manage the credit underwriting process, including evaluation of loan applications, credit scoring, and approval/rejection decisions.

- Monitor and analyse credit portfolio performance, identifying areas of improvement and implementing strategies to mitigate risk.

- Conduct periodic reviews and audits to ensure adherence to credit policies and regulatory standards.

- Provide leadership and guidance to the credit team, fostering a culture of accountability, professionalism, trust and continuous learning.

- Recruit, train and develop a high-performing credit team capable of meeting organizational goals.

- Set performance targets and KPIs for the team, regularly assessing performance and providing feedback for improvement.

- Manage budgetary allocations for the credit department, optimizing resource utilization and controlling cost effectively.

- A strong grasp of credit principles, such as risk reduction techniques, loan structuring, and credit scoring.

- Proficiency in financial analysis, including the ability to evaluate loan offers, assess credit worthiness, and comprehend financial statements.

- Advanced analytical skills, with the ability to interpret data, identify trends, and make informed decisions