Area Credit Manager

Role Overview

The Area Credit Manager is responsible for managing risk underwriting, ensuring portfolio quality, and driving credit operations in compliance with established frameworks within the organization's business lines.

Key Responsibilities

• Manage risk and credit operations for designated transactions, ensuring adherence to company policies and frameworks.
• Assess and approve credit proposals according to the approval matrix, consulting seniors and supporting peers as needed.
• Coordinate with the risk team for legal and technical assessments in intricate cases.
• Optimize risk operation processes to balance effective business performance with stringent risk management.
• Collaborate closely with Credit Processing Analysts and Credit Analysts to maintain accurate and comprehensive file management.
• Engage with Sales and Operations teams through systematic processes to facilitate sound decision-making and resolve issues, escalating complex matters to the Regional Credit Manager when necessary.
• Ensure strict compliance with risk management standards, prepare periodic and ad-hoc reports, and manage case escalations.
• Adhere to the ‘Maker–Checker’ mechanism for local risk operations, including exception approvals, collateral valuation, documentation completion, and cheque bounce case handling.
• Partner with Collections and Operations teams to track delinquent accounts and promote efficient collection activities, escalating complex recovery cases to higher management.
• Support business growth and sustainability through collaborative decision-making with Sales and Operations counterparts.
• Commit to continuous learning by enhancing technical expertise in risk assessment, underwriting, and relevant legal and business practices.
• Maintain strong internal stakeholder relationships to facilitate coordination on complicated or escalated credit cases.