JOB DETAILS:
KEY RESULT AREAS:
Credit Evaluation & Risk Management.
• Quality assessment and prudent decisions on all SME loan applications and making appropriate recommendations to higher approving authority.
• Compliance with target turnaround time and the agreed Service Level Agreement (SLA).
• Provide leadership for SME credit team reporting to the SME Manager in view of establishing and maintaining a high performing and motivated team.
• Provide prompt guidance, mentoring, coaching and support on aspects of credit to all credit teams across branch network.
• Grow the good book whilst minimizing risk.
• Provide the lead technical support on development of new and reviewing existing credit products and credit appraisal tools.
• Identify training needs of credit teams at SME Center and across branch network through branch visits, spot checks and observations and recommend appropriate credit up-skilling.
• Assist the SME Manager on all credit related issues delegated and act in his / her capacity while they are away.
• Verification of authenticity of relevant documents and information collected from clients submitted within credit files from SME RMs.

DESIRED KNOWLEDGE, SKILLS AND ABILITIES
• Minimum of 4 years working experience in Credit / Relationship Management.
• Skills in credit underwriting and appraisal.
• Strong analytical and people management skills.
• Minimum of bachelor’s degree in Commerce, Accounting, statistics, Mathematics, or any other business-related courses.
• Any professional courses in Banking, Credit Management, Accounting or Finance will be an added advantage.
• Maturity: Age between 28 to 50 years.
• Problem Solving: Individually or in consultation with relevant departments.