Credit Risk Management at People Capacity Management

We are seeking an experienced and detail-oriented Credit Manager with a strong background in Risk Management to join our team. The ideal candidate will play a critical role in overseeing the credit and lending process, ensuring compliance with regulatory requirements, and mitigating risks associated with mortgage lending operations. With a focus on strategic planning and operational excellence, the Credit Manager will enhance the bank\'s credit portfolio while maintaining a strong risk control framework.

Credit Risk Management

• Assess, monitor, and manage credit risks across the mortgage portfolio to ensure alignment with the bank\'s risk tolerance.
• Develop and implement credit risk policies and procedures tailored to mortgage banking operations.
• Perform in-depth credit analysis for loan applications, ensuring thorough evaluation of borrowers\' financial standing, creditworthiness, and collateral adequacy.

Credit Approval Process

• Oversee the end-to-end credit approval process, including the evaluation and recommendation of mortgage loan applications.
• Establish credit limits for clients in alignment with regulatory standards and organizational policies.  

Portfolio Management

• Regularly review and analyze the bank\'s mortgage loan portfolio to identify trends, risks, and opportunities for improvement.  
• Ensure timely reporting of credit portfolio performance and risk exposure to senior management.  

Compliance and Regulatory Oversight

• Ensure full compliance with all regulatory requirements, including mortgage lending laws and guidelines.  
• Liaise with external auditors and regulatory bodies to address any credit-related concerns.  

Leadership and Collaboration

• Lead a team of credit officers, providing guidance, mentorship, and performance evaluation.  
• Collaborate with internal stakeholders, including Risk, Legal, and Operations teams, to optimize credit processes and maintain high standards of service delivery.  

 Job Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related field. A Masters degree or professional certification (e.g., CFA, FRM, or PRM) is an added advantage. 
• 10–15 years of proven experience in credit management and risk management, with a focus on mortgage banking or related financial services.  
• Strong understanding of mortgage lending processes, housing finance, and regulatory frameworks governing the mortgage banking industry.  
• Proficiency in financial modeling, credit analysis tools, and risk assessment software.  
• Exceptional analytical, problem-solving, and decision-making abilities. Excellent communication and leadership skills.