Job Description
The position primarily is responsible for overseeing and managing the credit risks associated with extending credit to individuals or business clients of the bank. The position shall ensure a balanced approach to all credit decisions to avoid potential financial loss resulting from borrower default.
Duties and Responsibilities:
A. Credit Risk Management
- Develops credit risk programs that outline the criteria for credit approval, terms and conditions, and credit limits.
- Implements credit policies and procedures that align with the bank's risk threshold and regulatory requirements.
- Oversees the credit underwriting process to ensure that proper due diligence is conducted before approving any credit applications.
- Determines the level of risk associated with extending credit to borrowers.
- Monitors the credit portfolio to identify early signs of credit imbalance. Analyzes the p...