Head of Credit Risk

Ensure quality assets are booked in the Bank's portfolio and Special Assets are managed and resolved:
• To approve credits and restructured credits within own individual discretion;
• Credit - To supervise a team of Credit Managers & Analysts, who will, in turn, review, recommend, gain approval for and
communicate the credit risk decision to Commercial Relationship Managers.
• CSAM - Responsible for managing a team of Special Assets managers, providing leadership and direction with respect
to negotiating and restructuring the assigned vulnerable portfolio with the goal of minimizing losses and maximizing
recoveries.


Job Performance:
• Portfolio performance: maintain a high-quality lending portfolio of the business along with commensurate risk based
return.
• Maintain a high quality of underwriting and presentation standards vis-a-vis Credit Applications.
• Controlling Commercial NPL & credit loss rates,
• Managing the Special Assets portfolio, ensuring maximum recoveries, write backs and interest reversals.
• Providing the required service TATs (Turn-Around-Time) to the business,
• Contributing to bottom line numbers,
• Ensuring product profitability is maintained,
• Managing the operational risk elements of Commercial business.

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