Credit Manager at First National Bank Ghana

About the job

• The ideal candidate will be responsible for managing credit risk by making final decisions and executing credit management strategies.

Responsibilities

• Manage and oversee credit approval process
• Manage team performance in achievement of business objectives
• Participate in planned activities that are appropriate for own development
• Ensure development and continuous value add improvement to operational processes
• Provide input into the development of the tactical strategy, and develop and implement a supporting operational strategy
• Manages risks in own area of responsibility
• Compile reports that track progress and guide business to make informed decisions
• Deliver customer experience excellence in own service delivery aligned to Organisational values and service standards
• Build working relationships across teams and functional lines to enhance work delivery, collaboration and innovation
• Identify and utilise opportunities for revenue growth to deliver on sales targets
• Manage credit system
• Manage Credit Pipeline
• Identify transaction specific risks including credit, taxation, accounting and legal
• Introduce risk mitigating measures as input to structure transactions in line with the risk philosophy of the Bank
• Accountability for originating and writing the Credit Application and co-presenting with the relevant RM to the Credit Committee
• Ability to analyse company financial statements and to identify and quantify financial and business risks
• An interest in and understanding of financial instruments and markets
• Excellent report writing skills (reports are presented to the Credit Committee and to the Board of Directors).
• In accordance with National Credit Act (NCA) candidates applying for this role will require a credit record check.

Qualifications

• Minimum Qualification - Relevant Degree
• Preferred Qualification - A Preferably Business Degree (Accounting as a major)
• Experience - 3 to 5 years experience in a similar environment, of which 1 to 2 years ideally at junior (entry level) management level
• Additional Knowledge - Additional Knowledge - Good understanding of lending procedures