Head, Credit

Royal Exchange Finance Limited

Job Summary

A leading player in the financial services industry requires the services of a Head, Credit in Lagos.

  • Minimum Qualification: HND
  • Experience Level: Management level
  • Experience Length: 7 years

Job Description/Requirements

Job Description/Key responsibilities:

  • Conducting market intelligence on competition and information gathering for product development.
  • Developing new products and reviewing the offering of the existing ones.
  • Formulating and executing business development and sales strategies for the Credit department 
  • Leading with high ethical standards in the booking of quality credits to surpass stated targets.
  • Attending meetings with Relationship Officers to structure appropriate facilities for customers.
  • Monitoring Risk Asset Portfolio and ensuring adherence to the regulatory standards.
  • Preparing and submitting credit reports to management of the company and regulators in a timely manner. 
  •  Contributing to asset and liability generation.
  • Adhering to credit policy and guidelines of the company. 
  • Organizing in house training for staff from time to time.

Overall Objectives:

  • To provide efficient and effective leadership for the Credit department of the company.
  • To contribute to the profitability of the Company through the booking of quality credits in accordance with the policies of the Company and regulatory bodies.

Education and Qualification:

  • Bachelor’s degree or HND in any numerate discipline.
  • Master degree or recognized professional qualification(s) would be an added advantage
  • 7 years and above credit analysis and administration experience in the banking sector or non-bank financial institutions. 
  • Not more than 45 years of age at the last birthdate.

Skills and Person Specifications:

  • Excellent written and oral communication skills. 
  • Strong math aptitude, organizational and analytical skills.
  • Strong problem-solving skills.
  • Willingness to go the extra mile and deliver on deadlines
  • Decision oriented with the ability to support with sound reasoning and logic
  • Computer literate; fluency in Microsoft Office programs (Word, Excel, Outlook)
  • Experience with the use of credit administration or other banking application software

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