Job Summary
Reporting to the Director Credit the role holder will provide leadership in the overall management of the Bank’s Non-Performing loan book, formulate/identify, review and implement policies, strategies/action plans to recover/restructure or restore to performanc
Key job duties or responsibilities:
Monitor and control pre 90 days Credit Portfolio throughout the Bank to ensure that asset quality is maintained and improved (PAR & Migration) to within acceptable standards.
Overall management of non-performing debts to prevent deterioration and improve the bank’s lending asset quality.
Control specific provisions within budget and ensure adequate levels of provisioning on all accounts in accordance with the laid down credit policies.
Managing recovery costs within budgets.
Compliance with the bank’s Credit/NPL Policies and CBK Prudential Guidelines on loan classification and provisioning.
Timely submission of NPL returns to the Board and CBK.
Formulation of exposure/recovery strategies, action plans and supervising implementation for expedited closure.
Reduce non-performing credit through aggressive recoveries and viable restructuring thus contributing to the Bank bottom line through provisions write backs.
Participation in partnership engagement meetings/forums.
Oversight and support to subsidiaries in the management of the non-performing debts
Qualifications and experience
A Bachelor’s degree in in a Business-related field from a recognized university. A Master’s degree in Business Administration or a related field is an added advantage.
Certification in Credit Management
Professional certification in AKIB/CIB, CPA(K), ACCA
Minimum eight (8) years’ experience in Credit Management of which five (5) years must be at senior management level in Collections, Remedial & Recoveries.
Proven Credit collections, remedial & recoveries skills
Proven planning, organization and execution skills
Good experience in business process re-engineering and analysis
Excellent interpersonal, communication and negotiation skills
Excellent writing and presentation skills.
Critical thinking and problem-solving skills
Excellent decision-making and leadership capabilities
Contract negotiation skills
Customer and Stake holder management skills
Analytical and report writing skills
Ability to work under pressure and within strict deadlines
Entrepreneurial/Commercial mind-set
Change management and conflict resolution skills
Computer Literacy
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