Job Type: Full-time
Location: Head Office (HO)
Salary: As per Company Scale
Number of Positions: 1 (One)
Application Deadline: December 26, 2025

Under the direct supervision of the Chief Retail Banking Officer, the Director of the Credit Analysis & Review Department provides strategic leadership and oversight of the Bank’s credit analysis, credit review, and risk assessment functions. The role is responsible for ensuring sound credit underwriting standards, effective portfolio quality management, and compliance with internal policies as well as regulatory requirements.

Duties and Responsibilities

• Lead, plan, and oversee the Credit Analysis & Review Department’s operations and strategic initiatives.

• Establish, review, and enforce credit analysis and review frameworks, policies, and procedures.

• Ensure consistent, high-quality credit appraisal, risk assessment, and credit recommendation processes.

• Oversee independent credit reviews to assess portfolio quality, policy compliance, and risk exposure.

• Provide guidance and final recommendations on complex, high-value, or high-risk credit proposals.

• Monitor credit portfolio performance, trends, concentrations, and early warning indicators.

• Identify credit risk gaps and recommend corrective actions to senior management.

• Ensure compliance with regulatory guidelines, internal credit policies, and governance standards.

• Prepare and present periodic credit risk and portfolio quality reports to senior management and relevant committees.

• Coordinate with Retail, Corporate, SME, Risk Management, and Recovery units to strengthen credit quality.

• Lead, mentor, and evaluate departmental staff to build a high-performing credit analysis team.

• Support internal and external audits related to credit operations and implement agreed action plans.

• Perform any other duties as assigned by the Chief Retail Banking Officer.

Job Requirements

Education:

• MA/MBA/MSc or BA/BSc in Business Management, Accounting, Business Administration, Economics, or a related field.

Experience:

• Minimum of 8–10 years of relevant banking experience,

• At least 3 years in a managerial or leadership position within credit, risk, or related banking functions.

Skills & Competencies

• Strong expertise in credit analysis, credit risk management, and portfolio review.

• In-depth knowledge of banking regulations, credit policies, and risk governance frameworks.

• Proven leadership, people management, and decision-making capabilities.

• Excellent analytical, reporting, and problem-solving skills.

• Strong communication and presentation skills for senior management and committees.

• High ethical standards, integrity, and professional judgment.

Career Impact

This position plays a pivotal role in safeguarding the Bank’s asset quality and strengthening credit governance, contributing directly to sustainable growth and risk management excellence.

How To Apply

Interested and eligible candidates are encouraged to submit their applications through THIS LINK