A highly experienced manager with a demonstrated competence of working in a fast-paced businesses involved in banking, renewable energy sales and distribution. I have a track record of meeting set goals, and skilled in working under pressure, while adapting to new situations and challenges to make the organizational brand better. I am skilled in Credit Analytics, Sales Management, Financial and Credit risk Management, Budgeting and Business Strategy. P
· Provide strategic leadership for all credit processes of the bank and guide all related activities to build and protect a quality and profitable loan portfolio that supported the bank’s growth strategies, within sustainable risk parameters.
· Grow the loan book according to the set-out targets as laid down in the budget.
· Lead and develop a team to transfer skills through on job training, coaching and harmony within the team to ensure high performance
· Evaluate and structure credit facilities within approval limits and within the set turnaround time.
· Ensure relevant terms and conditions are laid down in the credit agreements to protect the Bank’s interest and avoid litigation.
· Ensure compliance with internal credit policies and UMRA guidelines and regulations on prudential norms failure of which the Bank can incur losses as a result of penalties.
· To monitor and control portfolio credit and provide remedial measures to avert bad credits.
· Undertake portfolio evaluations and conduct comprehensive studies on the industry and environment to test the resilience of the loan portfolio and avoid future losses.
· Evaluate and implement appropriate remedial strategies such as restructuring of loan facility, enhancement in credit limits or reduction in interest rates to help improve clients’ repayment capacity.
· Monitor performance of team through periodic performance reviews and ensure that staff are performing to expectation according to agreed targets and identify and address areas for improvement.
· Review and maintain business continuity through robust succession plan for the unit for smooth flow of business operations and ensure cover in the face of unplanned interruptions, losses or absence of staff
· Oversee the Credit Administration function
· Manage Collections and Recoveries
Very Good computer knowledge in Microsoft spreadsheets, and PowerPoint
undefined