Manager, Retail Credit Underwriting at I&M Bank

Roles & Responsibilities
JOB PURPOSE:

• To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions. 

PRIMARY RESPONSIBILITIES:

• Reviewing, analyzing, and assessing credit risk on credit proposals for both new and existing borrowers and making recommendations to the approving authorities.
• Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
• Ensuring applications meet turnaround time benchmarks.
• Coordinate application movement process between branches and approving authorities.
• Enforcing compliance with the bank's credit policies in daily operations.
• Identifying and mitigating risks in the underwriting process and escalation these to team leader
• Participate in Training frontline staff on the loan applications process
• Guiding/advising branch staff, Relationship staff and DSEs on credit appraisal requirements for the credit products
• Other duties as assigned from time to time

Academic Qualifications

• Bachelor’s degree in business or a related field from a recognized Institution.
• Professional Banking or Accountancy qualifications will be an added advantage

Experience and Core Competencies

• At least 5 years’ experience, 1 of which should be in Retail Credit
• Knowledge of Retail Banking products 
• Excellent communication and interpersonal skills
• Advanced financial risk analysis skills
• Credit risk management skills
• Excellent problem solving and decision-making skills