• Lead the end-to-end credit appraisal process for all customer segments (Retail, SME, Corporate, Agri, Trade Finance).
• Ensure thorough analysis of financial statements, cash flows, projections, collateral, and repayment capacity.
• Review and validate credit proposals prepared by Analysts to ensure quality and completeness.
• Provide independent, objective credit opinions aligned with the bank’s risk appetite.

Credit Risk Analysis

• Assess business, financial, operational, industry, and collateral risks for each credit application.
• Determine risk ratings, exposure limits, and recommend appropriate lending structures.
• Identify early warning signals and ensure proactive risk mitigation actions.
• Recommend risk-appropriate pricing based on borrower risk profile, facility type, and cost of risk.

Credit Approval & Recommendation

• Prepare high-quality credit recommendation memos for submission to the Credit Committee or approval authorities.
• Ensure all facility requests comply with credit policy, underwriting standards, and regulatory requirements.
• Provide guidance to Relationship Managers on structuring and documentation of credit facilities.
• Highlight deviations and provide clear justification when exceptions are recommended.

 Portfolio Quality Assurance

• Support portfolio monitoring by identifying deteriorating accounts during underwriting reviews.
• Analyze trends in approved credits, sectors, and risk concentrations to support risk mitigation.
• Participate in periodic reviews of loan books for quality, performance, and risk alignment.
• Drive corrective actions and feedback to improve risk management and portfolio quality.

 Policy, Processes & Governance

• Contribute to updating credit policies, underwriting standards, sectoral lending guidelines, and delegated authorities.
• Ensure underwriting practices align with BOT regulations, IFRS requirements, and internal risk frameworks.
• Ensure documentation of underwriting decisions is clear, consistent, and auditable.
• Support internal/external audits and ensure closure of audit observations related to underwriting.

 Stakeholder Engagement

• Work collaboratively with Relationship Managers, Credit Administration, Risk, Legal, and Finance.
• Provide advisory support to business teams regarding customer structuring, risk mitigation, and credit solutions.
• Engage sector experts, valuers, and external parties where additional insights are required.

Leadership & Team Management

• Lead, mentor, and develop Credit Analysts and other underwriting staff.
• Ensure high-quality output, timely assessments, and adherence to turnaround time (TAT) benchmarks.
• Build capacity in financial analysis, risk assessment, sector-specific knowledge, and writing of credit proposals.
• Foster high performance and a culture of credit discipline and analytical excellence.

Key Performance Indicators (KPIs)

• Quality of credit proposals and recommendations
• Turnaround time (TAT) for credit underwriting
• Compliance with credit policy and approval conditions
• Portfolio performance (NPL, PAR, risk grade migration) attributable to new underwriting
• Quality of analysis and completeness of documentation
• Audit outcomes (BOT, internal, external)
• Team productivity and capability development

• Bachelor’s degree in finance, Accounting, Business Administration, Economics, or a related field.
• Professional certifications (CPA, ACCA, CFA, CRM, or Credit Management Certification) are an added advantage.
• Minimum 5 years experience in credit analysis, underwriting, lending, or credit risk roles.
• Strong experience in assessing SME, Corporate, Retail, and/or Agricultural credit.
• Deep understanding of financial analysis, credit modelling, collateral evaluation, and sector dynamics.

Skills & Competencies

• Strong credit analytical and financial modelling skills
• Excellent understanding of credit policies, risk frameworks, and regulatory guidelines
• High attention to detail and strong decision-making capability
• Excellent report writing and communication skills
• Strong leadership and coaching ability
• Ability to manage multiple priorities and meet deadlines
• Strong ethics, integrity, and professional judgment

• Team work

• Leadership & Management Skills

• Good Analytical Skills

• intergrity

• Work Ethic & Professionalism Skills

• Research and report writing