• Review of Credit Risk parameters within each Credit Application, prior to submission to the Management Credit Committee - identifying credit risk elements and ensuring such elements are minimized and controlled leading to overall high standard credit quality of the portfolio.
• Assist with ensuring that Credit supports the Bank’s Credit Appetite and complies with the Bank internal policies and BOT requirements.
• Continous improvement of quality of credit control framework –  Undertake close monitoring of the portfolio to look for early warning signs of portfolio deterioration and ensure actions are taken by business units accordingly.
• Enhanced supervision on low rated, stressed accounts – including NPAs.
• Ensuring credit portfolio segmentation and analysis to cover all key regulatory parameters, including IFRS 9 adherence.
• Devise tools and systems where appropriate to facilitate credit risk rating / scoring.
• Devise, implement, review and monitor various credit programs and providing training and coaching to continuously upgrade the competency of self and team members.
• Engage with external stakeholders and international organizations with whom DTBT strategically partners with, to ensure covenants, reporting and other conditions are adhered to.
• Review and develop the Bank's credit approval policies and guidelines.
• Prepare and present quarterly Board Paper reports and any other reports as per requirements.
• To do any other duties as assigned by Head of Credit from time to time.
• Ensure effective business continuity plan for the department.

Qualifications :

• University degree in accounting, Business Administration, Banking and Finance, economics or similar.
• Master’s degree / Post Graduate Degree in Business, Commerce, Economics or related subjects is an added advantage.

Experience :

• At least Ten years of banking experience, of which two years should be in a managerial position with direct handling of Credit Review and Control functions of Corporates and SMEs Knowledge of IFRS9 will be an added advantage

• Strong evaluation, communication and reporting skills
• Good at managing large volumes of information and can add value through management reporting.
• Builds relationships and network easily
• Good numerical skills
• Proficient in Microsoft applications, LOS and CBS