HEAD OF CREDIT MANAGEMENT CAPACITY

• Ensure and monitor policy compliance
• Give input to ensure appropriate mandates are allocated to positions/people
• Manage the quality of CMIS
• Presentations to AFCRAM & DCC
• Audit credit decisions made by Credit Manager up their mandate
• Analyse and investigate high risk accounts

OUTPUT 2

KEY ACTIVITIES

TEAM PERFORMANCE

• Structure and staff correctly
• Identify, train, skill and develop staff
• Coach staff
• Provide effective leadership
• Performance management
• Succession planning and organising
• Managing change and transformation
• Create a performance culture
• Implement specific projects and strategy or policy changes (Credit Policy, BASEL II, RAROC)

OUTPUT 3

KEY ACTIVITIES

CREDIT REPORTS

• Prepare credit reports (not exhaustive):
  • Divisional Credit Committee report
  • Excess reports
  • Board Loan Review Papers
  • Basel

OUTPUT 4

KEY ACTIVITIES

ONGOING CREDIT RISK MANAGEMENT

• Bi-monthly review of Credit Manager’s full portfolio of reports
• Review daily excess reports
• Identify early warning signals in client behaviour, industry or markets that are indicative of change in risk profile
• Ensure appropriate action are taken on early warning signals to mitigate risks
• Refer/handover client to credit risk
• Manage MIS exceptions (e.g. annual or interim reviews, AFS and debtor list)
• Manage covenants (financial and non-financial)