Job Purpose Statement

Support the creation of high quality credit risk assets for the bank and minimize the incidence of non-performing loans while increasing the bank’s financial performance by creating profitable credit risk assets

Closely work with the Relationship Managers from the credit origination & play a vital role in deal structuring to add value from a credit/policy perspective.

Key Responsibilities

Financial Responsibilities

• Ensuring that all conditions precedent for credit facilities are in place and the necessary deferrals/waivers sought from Management Credit Committee, prior to Head, Credit and Head, Legal signing off for disbursement of all credit facilities.
• Ensuring post disbursement compliance with approved terms and conditions, assignment of rights, review expiry of credits, progress payment insurance etc.
• Monitor all irregularities, past dues, documentation deficiencies, etc., and report to Management.
• Ensure recovery of items pledged as security on delinquent loans.
• Monitoring and reporting to the Departmental Head on the asset quality of the loan portfolio, including delinquencies, nonaccruals, loan concentrations and profitability analyses.
• Post-approval assessment of credit facilities and initiate appropriate follow-up action.
• Reviewing facility and overdraft excesses, and non-facility overdrafts through daily reports from IT to ensure that they are appropriately sanctioned and therefore safeguard the bank from financial loss from unauthorized extension of credit.
• Seek necessary approvals for excesses in the account.

Customer Responsibilities

• Work with the Relationship Managers on a specified portfolio and facilitate revenue growth in the portfolio.
• Ensure all applicants are advised on fate of applications within reasonable time.
• Assist to review of all Letters of Offers and any other letters prepared by Credit Admin Assistants/Officers prior to execution/issuance to the clients/BM/RM.
• Responding to various queries/clarifications sought by the Departmental Head in the area relating to credit proposals submitted.
• Support review and development of the bank’s credit products to ensure they remain competitive with what obtains in the market.

Internal Business Process Responsibilities

• Review loan documents and liaise with internal and external parties to ensure proper and efficient delivery of credit administration duties.
• Authenticate documentation presented for all credit applications and ensure they meet the Know Your Customer (KYC) requirements and any other requirements as required by the Bank and by the regulators.
• Verify that securities are provided and forwarded for perfection.
• Coordinate and prepare for Credit meetings.
• Ensure that all credit files have been well segregated into their various compartments and filed alpha numerically.
• Ensure timely submission of documents and any other information required for both internal and external audit.

Functional Responsibilities

• Support effectiveness within the departmental structure and apply established systems (policies, process, procedures & tools) towards achieving compliance requirements, optimal efficiency, resource utilization and cost containment.
• Ensure that all credit requests comply with the bank’s credit policy and procedure.
• Any other duties allocated from time to time.

Academic

• Minimum of a Bachelor’s degree in Accounting, Banking & Finance or related discipline

Professional Qualifications & Experience

• Professional qualifications e.g. CPA, ACCA & CIMA
• Proficiency in Microsoft Office Suite

Desired Work Experience

• At least 5 years’ experience in Credit in a reputable bank
• Outstanding performance of duties and exceeding expectations in positions that require strong analytical, problem-solving, decision-making, team building, and leadership skills.

How to Apply

To apply, please send your applications to – recruitment@cibke.com with the subject being – the title of the job. Before 10th November 2025