AVP & Lead, Credit Management
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Key skills for this role
About the Role
Ensure underwriting quality, manage credit processes, improve operational efficiency, and lead a team while adhering to policies and compliance.
Key Skills for This Role
Full Job Posting
Key Accountabilities
- Ensure underwriting quality and portfolios remain within the bank s risk appetite.
- Prepare and present credit memos for escalation of high ticket self employed and rental backed mortgage cases, ensuring clear documentation of risks, deviations, mitigants, and recommendation.
- Improve TAT and operational efficiencies.
- Create effective workflows for processing and tracking files.
- Ensure compliance with policies and documentation requirements.
- Maintain minimal error rates and audit observations.
- Ensure verification and processes follow policy guidelines and SOPs.
- Ensure all KYC and documentation comply with C2P2 prior to approval.
- Monitor and report policy exceptions and loan booking trends.
- Interpret policies and ensure proper credit analysis to improve asset quality.
- Supervise and maintain tracking systems for periodic reports.
- Support automation initiatives and system changes.
- Lead the Credit Secured Products department to achieve assigned objectives through performance management, staff development, and motivation.
People Management
- Define goals and KPIs; ensure implementation of FAB performance management process.
- Implement Manager Scorecard responsibilities (engagement, performance, mandatory learning).
- Act as role model and drive adherence to organizational values and ethics
Policies, Systems, Processes & Procedures
- Ensure effective implementation of Credit & Collections Personal Banking policies, procedures, and controls, meeting procedural and legislative requirements
- within agreed TAT while delivering quality customer experience.
• Credit Initiation Management
- Manages Credit Initiation team for Mortgage Underwriting to support the bank s risk tolerance and asset growth objectives
- Ensures exception approvals beyond policy or scoring cut-offs are taken at the appropriate authority level with clear justifications
- Enhances use of technology to improve efficiency and effectiveness
Business Support
- Establishes strong working relationships with key stakeholders including collections, remedial management, product, and segment teams
Reporting
- Ensure all department reports are prepared timely, accurately, and in line with Group requirements and quality standards
Job Responsibilities
- Analyze high-ticket self employed and rental backed proposals.
- Manage underwriting team performance.
- Maintain underwriting standards and prudent DOA usage.
- Minimize credit risk through effective risk review.
- Support underwriting flow through guidance to team members.
- Ensure prompt CAS approvals within DOA.
- Ensure SLA TAT compliance.
- Review and resolve quality checks.
- Participate in automation and efficiency initiatives.
- Timely execution of tasks assigned by Line Manager.
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