Credit Operations Management

• Oversee the end-to-end credit operations process from approval to booking and disbursement.
• Ensure timely, accurate, and compliant processing of loan documentation and system booking.
• Manage process improvements to enhance turnaround time (TAT) across all lending segments.
• Approve disbursements within delegated authority and ensure fulfillment of all condition’s precedent.

Credit Documentation & Legal Administration

• Oversee preparation, validation, and execution of all credit and security documentation.
• Ensure documentation completeness, accuracy, and alignment with approval terms and legal requirements.
• Coordinate with Legal Counsel, Registries, and external partners for collateral perfection (charges, mortgages, debentures, etc.).

Maintain robust documentation and collateral management systems.

Regulatory Reporting & IFRS 9 Oversight

• Supervise preparation of regulatory credit reports for BOT, auditors, and internal stakeholders.
• Ensure accuracy, timeliness, and compliance with regulatory guidelines.
• Oversee IFRS 9 computations, staging, impairment assessments, provisioning accuracy, and ECL modeling governance.
• Coordinate with Risk, Finance, and IT to ensure data quality and model integrity.

Credit Quality Assurance

• Lead periodic file reviews to ensure compliance with credit policies, approval conditions, and documentation standards.
• Identify operational gaps, process weaknesses, and non-compliance risks—ensuring timely remediation.
• Oversee pre-disbursement checks and post-disbursement reviews to mitigate operational credit risk.
• Track exceptions and ensure closure of credit operational audit issues.

Collateral Management

• Ensure all collateral is properly perfected, insured, valued, and registered as required.
• Monitor expiries of insurance, valuations, leases, and other collateral documentation.
• Maintain high data integrity in the collateral register and core banking systems.

Compliance, Controls, and Risk Management

• Ensure compliance with BOT guidelines, IFRS9 standards, internal credit policies, and operational procedures.
• Chair or support Credit Operations-related committees and working groups.
• Support internal and external audits and promptly address audit recommendations.

Leadership & Staff Management

• Lead, mentor, and appraise the Credit Operations & Administration team.
• Build technical capacity in regulatory reporting, IFRS 9, legal documentation, and quality assurance.
• Foster a culture of accuracy, discipline, ethical conduct, and operational excellence.

Key Performance Indicators (KPIs)

• Credit turnaround time (TAT) improvement
• Accuracy of credit booking and documentation
• Compliance levels in credit legal documentation
• Quality and timeliness of BOT regulatory credit reports
• Accuracy and integrity of IFRS 9 credit impairment reports
• Audit ratings (Internal Audit, External Audit, BOT)
• Exception management and timely closure
• Team performance and capability development

Qualifications & Experience

• Bachelor’s degree in Banking, Finance, Business Administration, Economics, Accounting, or related field. Minimum 5 years experience in credit administration, credit operations, regulatory credit reporting, or IFRS 9-related roles.
• Experience supervising technical teams (IFRS9, legal documentation, quality assurance).
• Professional qualifications (CPA, ACCA, CRM, Credit Management Certification) are an added advantage. Strong understanding of lending processes, collateral laws, IFRS 9 impairment rules, and BOT regulatory requirements.

Skills & Competencies

• Strong credit operations and documentation expertise
• Deep knowledge of IFRS 9 and regulatory credit reporting
• Strong analytical and problem-solving skills
• Excellent communication and report-writing skills
• High accuracy and attention to detail
• Leadership and people development skills
• Proficiency in core banking systems, credit systems, and MS Office
• Strong ethical standards and decision-making integrity

• Critical Thinking and Problem Solving Skills

• Leadership

• Good Analytical Skills

• Work Ethic & Professionalism Skills

• Research and report writing

• Communication Skills

• decision making