Job Description​

Understanding the Credit/Solutions development: 30%

Outputs:

• Assess customer’s business through the analysis of the business and credit risk associated with the provision of the bank’s products and services to the customer
• Develop high quality credit solutions with the view of obtaining fast credit approval from credit teams
• Be the joint contact for credit management purposes for accountants, solicitors and other professionals.
• Preparation of credit applications for recommendations to the sanctioners.

Supporting Business Banking Lending Book: 30%

Outputs:

• Work in partnership with RMs/Branch Managers or ROs on new and existing credit applications, providing guidance on credit appetite and consulting with Credit Team as appropriate.
• Liaise directly with the sanctioning office for all credits that are outside local Risk management.
• Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.
• Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements, and cost reduction.
• Support and contribute to specific industry focus as determined by the Credit teams.
• Review and co-ordinate execution of documentation and drawdown of facilities.
• Responsible for managing financial information produced by customers.
• Responsible for managing the end to end process for risk reports, challenging relationship managers where control lapses or potential risk has been identified.
• Monitor and Control quality of portfolio using Condition of sanction triggers where possible.
• Discussing with sanctioners on deteriorating trends and trigger events if they give cause of concern and advising the Relationship Manager simultaneously.

Team Leadership & People Management: 40%

Outputs:

• Develop a highly motivated team and maintain excellent relationships with team to ensure achievement of business goals.
• Set challenging and stretching objectives.
• Ensure effective performance management, development and succession planning for the team
  Act as role model
• Drive proactive application of NBC Behaviors throughout the team including establishment of common goals and objectives.
• Drive proactive application of NBC guiding Principles both personally and throughout the team and coach and support colleagues within the Team.
• Sign off action plans for development of top talent and low/moderate performers in the team.
• Ensure that Business Analyst compliance resources are sufficient at all times
• Manage resources in the most cost-effective manner to deliver across the bank’s network.

EXPERIENCE & QUALIFICATION:

• Bachelor’s Degree in commerce or Arts Degree(Economics) or Equivalent qualification.
• Proven experience in Credit role at junior management level (Minimum of 5 years) gained within the bank or at other financial institutions.
• Excellent understanding of credit and associated risks.
• Good skills that have been proven in a Business or credit environment at management level People Management.
• ACCA/CPA (T) qualification.

Qualifications

Bachelor`s Degrees and Advanced Diplomas – Business, Commerce and Management Studies, Credit Risk (Meets all of the requirements), Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment at junior specialist level, Openness to change (Meets some of the requirements and would need further development), Reasoning (Meets all of the requirements)