• Application Deadline:
• Position: Head of Credit


• Job Type Full Time


• Qualification BA/BSc/HND


• Experience 3 years


• Location Abuja


• Job Field Finance / Accounting / Audit 
  

Responsibilities

Credit Risk Management Strategy:

• Develop and implement a comprehensive credit risk management strategy aligned with the bank's overall business objectives.


• Establish clear credit policies and procedures for loan origination,underwriting, and collection.


• Conduct regular credit risk assessments tidentify and mitigatepotential risks.


• Develop and monitor key credit risk metrics and reporting tools.

Loan Origination and Underwriting:

• Oversee the loan origination process, ensuring adherence to credit policies and procedures.


• Lead the loan underwriting team in assessing the creditworthiness ofloan applicants.


• Implement effective loan structuring and pricing strategies.

Loan Collection and Portfolio Management:

• Develop and implement strategies for effective loan collection and delinquency management.


• Oversee the loan portfolio and ensure its quality and profitability.


• Minimize non-performing loansand manage loan restructuring when necessary.

Compliance and Regulatory Reporting:

• Ensure compliance with all relevant credit risk management regulations and reporting requirements.


• Maintain strong relationships with regulatory authorities.

Team Leadership and Development:

• Lead and manage the credit department, fostering a high-performing and professional team.


• Provide coaching and mentoring tstaff for continuous improvement.

Requirements

• Minimum of 3 years of experience in a senior credit risk management role,


• preferably in a microfinance or financial services industry.


• MCIB (Member of the Chartered Institute of Bankers) certification or equivalent professional qualification is an added advantage.


• Proven track record of developing and implementing successful credit risk management strategies.


• Strong understanding of microfinance credit risk principles and practices.


• In-depth knowledge of BankOne Solution or similar software.


• Excellent analytical and problem-solving skills.


• Strong communication, interpersonal, and leadership skills.


• Ability twork independently and as part of a team.