Vice President, Credit Management

Job Purpose
• Ensure and maintain a sound loan portfolio hence, minimizing loan losses and maximizing return on assets and shareholder’s equity.
• Recommend sound credit facilities after thorough evaluation of the credit worthiness and debt payment capacity of borrowers.
• Developing and spreading a credit culture within branch, through training, counselling and advising. Recommend action plans for overcoming observed weaknesses.
• Review credit policies and procedures on a periodical basis and recommend and implement changes where appropriate.
• Assist Branch Managers / Team Leaders to structure credit lines which meet the client’s business needs within acceptable risk criteria.

Key Result Areas
• Quality of loan portfolio, as measured by % of classified outstandings and hence, loan loss provisions, which has direct impact on Branch profitability.
• Volume of assigned portfolio.
• Minimize migration across risk grades.
• Early detection of warning signals to ensure timely corrective action.
• Maintain targeted turn around time.
• Volume of credit proposals processed.
• Minimize % of proposals returned / rejected by HO, which is a direct reflection of the quality of the proposals.
• Accompany Relationship Managers / Team Leaders on calls where necessary, to maintain an awareness of market and business conditions.

Knowledge, Skills and Experience
• University Graduate. MBA or equivalent is preferred.
• Minimum 10 – 15 years lending experience, of which 4 – 6 years at managerial level.
• High degree of lending skills (credit, analytical, judgement) across various industries / lines of business (Trade, Contracting, Industry).
• Excellent written / verbal communication skills.

The leading financial institution in MENA

While more than half a century old, we proudly think like a challenger, startup, and innovator

in banking and finance, powered by a diverse and dynamic team who put customers first.

Together, we pioneer key innovations and developments in banking and financial services.

Our mandate? To help customers find their way to Rise Every Day, partnering with them through

the highs and lows to help them reach their goals and unlock their unique vision of success.

Delivering superior service to clients by leading with innovation, treating colleagues with dignity and fairness while pursuing opportunities that grow shareholders value.

We actively contribute to the community through responsible banking in our mission to inspire more people to Rise.