HEAD OF CREDIT – First Capital Bank 515 views

Be part of an exciting team that is looking at changing the Banking landscape.

If you are a self-starter and looking for a challenging, yet exciting opportunity to grow and develop new markets with First Capital Bank please submit your applications for the following position.

HEAD OF CREDIT

REPORTS TO

Chief Executive Officer

JOB PURPOSE

• Provide leadership to the Board’s Credit Risk Strategy to optimize the return on the corporate lending portfolio and maintain a high-quality lending portfolio of the business along with the risk-based return.

KEY RESPONSIBILITIES

• Provide leadership to the Board’s Credit Risk Strategy to optimize the return on the corporate lending portfolio.
• Maintaining a high-quality lending portfolio of the business along with risk-based return.
• Maintaining a high-quality of underwriting and presentation standards vis-a-vis credit application.
• Controlling the Bank’s credit loss rates.
• Providing the required service TATs (Turn-Around-Time) to the business.
• Grow credit book while minimizing risks of financial loss.
• Develop and implement credit approval policies and procedures in line with local credit regulations and requirements.
• Provides training, coaching, and mentoring the team to upgrade the competency on continuous basis.

QUALIFICATION/EXPERIENCE

• A bachelor’s degree in accounting. MBA would be an added advantage.
• At least fifteen (15) years’ experience in Corporate & SME Lending /of relevant professional experience in Banking/ Financial industry, minimum seven (7 Years) of which should be at senior management level.

• Must have international exposures at senior level and know the banking land scape of Southern Africa.
• Must have practical understanding of relevant regulatory environment and IFRS guidelines.
• Sound knowledge of the Finacle Core Banking System.

KEY SKILLS & COMPETENCIES

• Strong knowledge of accounting and financial principles, marketing and sales principles, analysis and money market conditions.
• Strong credit assessment skills inclusive of understanding, assessing and structuring facilities for customers for working capital finance, trade (LCs/guarantees), FX limit/ exposure, asset financing etc.
• Good mathematical and analytical and evaluation skills.
• A good understanding of security operations and documentation.
• Proven track record of leading and mentoring teams.
• Ability to influence decisions.
• Good interpersonal, communication and negotiation skills.
• Must possess high levels of integrity.