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Group: Risk Management Reports to: Chief Risk Officer Grade: Senior Manager Job Overview Provides leadership and oversight for credit administration, documentation, collateral management, loan disbursement, and post approval credit controls across the Bank. Ensures approved credit facilities are properly documented, disbursed, maintained, and monitored in line with approval terms, credit policies, regulatory requirements, and the Bank’s risk appetite. Drives strong credit governance, enforceable security documentation, timely exception resolution, and continuous improvement across credit administration processes. Key Responsibilities Oversee end-to-end credit administration, documentation, collateral management, loan disbursement, and post approval credit controls across the Bank. Ensure approved credit facilities are documented, disbursed, maintained, and monitored in line with approval terms, credit policies, regulatory requirements, and the Bank’s risk appetite. Confirm that all pre-disbursement conditions, including documentation, collateral, approvals, insurance, legal clearance, and security perfection, are satisfied before disbursement Ensure all credit and security documentation is complete, valid, enforceable, properly executed, and safely maintained Liaise with Legal, Business, Credit Risk, and external solicitors to ensure adequate documentation, security perfection, and collateral enforceability. Monitor unauthorized overdrafts, expired facilities, temporary accommodations, overdue reviews, documentation exceptions, and other credit breaches for timely escalation and resolution Oversee collateral valuation, registration, perfection, insurance monitoring, custody, and release in line with approved policies. Review credit administration reports, exception reports, deferral reports, collateral reports, and other control reports for accuracy and completeness. Support the identification and escalation of potential problem loans, documentation gaps, and control weaknesses Coordinate credit administration inputs for internal audits, external audits, regulatory examinations, management reviews, and credit governance forums Drive process improvement, automation, and digitization across documentation, collateral tracking, deferral monitoring, loan booking, and reporting Provide leadership, coaching, supervision, and performance management for the Credit Administration, Documentation, Collateral Management, and Governance teams Perform other functions as assigned by the Chief Risk Officer Requirements Skills/Competencies Required Knowledge, Skills and Abilities: In-depth knowledge of credit administration, credit risk management, loan operations, and post-approval credit controls Strong understanding of credit products across corporate, commercial, retail, public sector, trade finance, and specialized lending Strong knowledge of credit documentation, security perfection, collateral management, loan booking, and facility maintenance Good understanding of credit approval processes, delegated authority frameworks, regulatory requirements, and internal control standards Strong understanding of collateral valuation, insurance monitoring, vault custody, documentation custody, and release protocols Generic Skills Strategic thinking and sound judgment Strong control mindset and attention to detail High level of integrity, discretion, and professionalism Strong stakeholder management and influencing skills Strong analytical and problem-solving skills Organization and coordination skills Ability to work under pressure and manage multiple priorities Strong communication skills, both oral and written Ownership, resilience, and accountability Supervisory Skills Ability to build, structure, and sustain a high-performing control-focused team Ability to lead and supervise multi-functional credit administration teams Performance management and service delivery oversight