Job Description

As the Credit Manager, you will be responsible for overseeing the credit operations and strategies for business loans. Your role is crucial in ensuring the bank's financial health and growth by managing risks and maximizing returns. You will lead a team of credit analysts and underwriters, providing guidance and expertise to ensure efficient and effective credit processes.

• Lead and manage the Business Loans-Credit department, setting strategic directions and goals.
• Oversee the credit approval process for business loan applications, ensuring compliance with policies and regulations.
• Analyze and assess credit risks associated with business loan portfolios, implementing risk mitigation strategies.
• Develop and maintain strong relationships with key stakeholders, including business clients and internal teams.
• Monitor and analyze market trends and competitor activities to identify opportunities and potential risks.
• Ensure compliance with legal and regulatory requirements, maintaining a strong internal control environment.
• Provide expert guidance and mentorship to the credit team, fostering a culture of continuous improvement.
• Collaborate with other departments, such as marketing and operations, to align credit strategies with overall business objectives.
• Prepare and present periodic reports to senior management, providing insights and recommendations for credit-related decisions.

• A bachelor's degree in finance, business administration, or a related field is required, with a preference for advanced degrees or professional certifications.
• Minimum 10 years of experience in credit management, with a strong background in business lending.
• Proven leadership and management skills, with the ability to motivate and develop a high-performing team.
• Excellent analytical and problem-solving abilities, with a strong understanding of credit risk assessment and management.
• Strong communication and interpersonal skills, with the ability to build and maintain relationships at all levels.
• Proficiency in using credit analysis tools and software, as well as MS Office applications.
• A results-driven and proactive approach, with a track record of achieving credit-related targets and goals.
• Ability to work independently and manage multiple priorities in a fast-paced environment.
• Strong ethical standards and a commitment to maintaining the highest level of integrity and confidentiality.