The Senior Manager, Business Credit Support will lead a team of business credit analysts and act as a key link between Relationship Managers and Credit to ensure that all credit proposals are well-structured, risk-mitigated, and aligned with the Bank’s appetite. The role ensures efficient turnaround times, portfolio monitoring, and risk containment to build a strong, sustainable, and profitable asset book.
Key Responsibilities:
- Strategy & Advisory
- Provide expert guidance on credit trends and sector-specific risks.
- Drive continuous improvement of credit processes and policy reviews.
- Build strong collaboration between business and credit units through joint engagements and forums.
- Facilitate joint customer visits with credit to understand customer’s business models and operations that will support in decision making.
- Developing a detailed structure that would enable him/her monitor the quality and speed of processing business applications initiated from all business units to final decision being made.
- Act as key advisor to business, provide guidance on sectors and impact of emerging trends on the respective sectors.
- A key accountability of the Senior Manager Credit Support role is to build quality asset portfolio by effectively monitoring asset’s performance through quarterly reviews of the asset book.
- Credit Origination & Underwriting
- Oversee timely and quality review of credit proposals before submission to Credit Dept.
- Monitor credit turnaround times and ensure adherence to SLAs.
- Conduct quarterly reviews of asset book to track performance and early warning signs.
- Review credit proposals originated from the business unit as per agreed thresholds as stipulated in the credit process workflow.
- Portfolio & Risk Management
- Ensure annual reviews, covenant tracking, and stress testing of portfolios.
- Support distressed account monitoring and proactively flag early warning signals.
- Participate in industry outlook reviews to guide credit strategy.
- Support in interrogating and providing input on the Asset pipeline from the Relationship
- Managers to ensure that bankable transactions are being on-boarded and in line with the strategy.
- Client Relationship Support
- Partner with Relationship Managers to ensure client needs are met and credit facilities are disbursed efficiently.
- Conduct joint client visits and produce quality call reports.
- Ensure customer information is handled with confidentiality and in line with policy.
- Reporting & Analytics
- Provide regular reports on TAT, portfolio quality, covenants, OD management, and restructuring.
- Prepare Board papers for Credit proposals and Management reports for the Unit.
- Benchmark industry ratios and peer analysis to guide decision-making.
- People & Team Leadership
- Mentor, coach, and develop credit analysts within the Unit.
- Drive performance management, talent development, and team engagement.
- Operational Excellence & Compliance
- Ensure all credit files and client documentation are complete and compliant.
- Enforce AML, KYC, Shariah, and other regulatory requirements.
- Address audit findings promptly and ensure resolutions are implemented.
Qualifications & Experience
- A Bachelor’s degree in Finance, Economics, Business, or related field
- Master’s degree will be an added advantage
- Professional Credit/ Finance qualifications (e.g., CPA, ACCA, Credit Management)
- At least 7–10 years’ experience in Commercial banking or Credit Risk with proven team leadership
- Strong understanding of credit underwriting, portfolio management, and sector analysis
- Excellent analytical, communication, and stakeholder management skills