To evaluate and manage the credit and associated risks within an allocated portfolio. To effectively integrate, manage and control the credit function by ensuring that quality of credit risks across your portfolio is maintained, thereby minimising the risk of loss through bad debts, while maximising profits. To interact with other areas of the bank in acting as a catalyst in driving the changed initiatives in ensuring compliance with agreed risk parameters as set out in the changed strategy Implementation of the overall strategy in keeping with the Bank’s defined appetite for risk and ensuring appropriate approval at all mandate levels. Building and managing relationships across all key stakeholders and actively participating in the various forums including CCC, Credcom and Collections to name a few. Manage the credit risks associated with various functions within the Bank including direct decision making responsibilities within pre-defined mandate levels and active contribution to all credit granting functions within the bank, i.e. Treasury, E Bureau, Credit Card and Company lending to name a few. Prepare the “B Watchlist” to identify risk issues at an early stage where bad debts can be minimised. Ensure the achievement of the lending growth target within the parameters of conducting quality lending practices Implementation of the overall strategy in keeping with the banks defined appetite for risk and ensuring appropriate approval at all mandate levels. Building and managing relationships across all key stakeholders and actively participating in the various forums CredCom and Collections to name a few. Manage the credit risks associated with various functions within the bank including direct decision making responsibilities within pre-defined mandate levels. Prepare the monthly statistics to identify risk issues at an early stage where supplier performance as measured. Ensure the achievement of the lending growth target within the parameters of conducting quality lending practices Manage the prevention of bad debt through accurate and detailed sanction procedures Prepare Credit Committee papers for Credit Committee and Risk Management Committee when required. Ensure compliance with the Credit policies and escalate all exceptions where deemed appropriate Maintain credit standard through arrear management Ensure approvals are within the agreed turnaround times Mandate adherence at all times