Senior Manager, Retail Credit Underwriting

Job Purpose: To ensure and maintain a high-quality Retail lending book by managing the analysis and approvals of Retail & MSEs Loans within the bank’s policies and delegated authorities. He/she will manage and train staff within the unit and support in establishing professional underwriting structures, processes, and culture for Retail Lending Business. Key responsibilities: Oversee review and approval of Retail & MSE Loans and Credits Cards Credit referred to credit by the scoring systems. Oversee credit risk assessment and sanctioning of non-scored Retail & MSEs Loans and Credit Cards. Manage the Retail underwriting team to ensure reviewed applications are within policy guidelines and delegated authority. Ensure Turn around Times are met as per service Level Agreements. Ensure robust tracking and monitoring for optimum underwriters’ productivity levels. Training Credit staff, Management Trainees and Frontline staff on credit appraisal and the general parameters for Retail credit products. Approval of facilities within delegated authority. Ownership of governance within the Retail underwriting unit. Review of processes within the unit to ensure they support the business aspirations. Coordinate the process of movement of applications and advising credit decisions between branches and approving authorities. Preparing Credit proposals that need Credit Committee approvals. Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio. Academic Qualifications: Bachelor’s degree in business or a related field from a recognized Institution. Professional Banking or Accountancy qualifications will be an added advantage. Work Experience and Core Competencies: At least 7 years relevant experience Credit unit of the Bank with at least 4 years in a supervisory capacity. Excellent knowledge of all Retail Banking products. Ability to write comprehensive reports. Excellent communication and interpersonal skills. Strong people-management skills. Advanced financial risk analysis skills. Advanced credit risk management skills. Excellent problem solving and decision-making skills. High level of people management skills.