Credit Department, Tanzania. Unit Head Credit

KCB Group•Washington, DC

6d•Onsite

About The Position

The Unit Head Credit is responsible for deputizing the Head of Credit and championing overall credit risk management within the department. This role ensures operations align with agreed policy frameworks and provides effective leadership and oversight of credit analysis and administration functions. The position involves sanctioning credit within delegated limits, ensuring excellent customer experience through SLA adherence, and preparing accurate credit reports. Continuous engagement with internal and external stakeholders, sound portfolio performance management within risk appetite metrics, and contributing to process improvements are key aspects. The role also requires proactive risk awareness, management of credit audits, and championing the closure of audit issues.

Requirements

Bachelors Degree in Business, Accounting, or Finance
9 Years of experience

Nice To Haves

Professional Qualifications (e.g. ACIB, CPA)
Master's Degree in Business Administration

Responsibilities

Deputize the Head of Credit
Championing overall credit risk management of the department whilst ensuring operation within agreed policy frameworks.
Effective leadership and oversight of the credit analysis and credit administration functions.
Sanction of credit within delegated approval limits.
Accountable for delivery of desired customer experience by executing within SLA.
Ensure accurate and timely preparation of all credit reports (internal and external).
Continuous Internal and External stakeholder engagement and management.
Accountable for sound portfolio performance and management within agreed risk appetite metrics.
Contribute to continuous improvement in processes, policies, products and knowledge share.
Continuous proactive risk awareness and management.
Management of banks credit audits both internal and external and championing closure of audit issues as per agreed timelines in the auditor’s report.
Analyze credit risk on applications and make appropriate recommendation/approval.
Ensure compliance with credit policies and BOT prudential guidelines lending.
Ensure an efficient turnaround time for applications is maintained.
Daily tick back of disbursement reports
Daily Tracking of accounts in excess and keep feedback from business level.