AVP & Lead, Credit Management

Job Purpose

Core Responsibilities

• 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.

Qualification

• Bachelor’s degree, in Business, Finance, Accounting, Economics, Commerce or related discipline (preferred).

Experience

• Minimum 6 years relevant banking experience including at least 3 years in a similar role.
• Experience in team and process management.

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