Qualifications and Competencies

• Should be a holder of bachelor’s degree in Land Economics, Building Economics Construction, Engineering or a related field.

• Should possess professional qualification in Project Management or a related field.

• Should be a member of a relevant professional body.

• Should have at least four years’ banking experience

• Should possess excellent credit and financial analysis skills.

• Should have excellent communication, report writing and presentation skills.

• Should have great interpersonal skills, good customer service orientation and commercial awareness. 

• Analyze feasibility studies, credit data and financial statements to determine the degree of risk involved in extending credit.

• Administer mortgage, monitor implementation and review various reports including appraisals, environmental documentation, and engineering reports to determine compliance with investor requirements of projects financed by the Bank to ensure successful completion of the same.

• Ensure compliance of all lending procedures as stipulated in the credit policy manual, monitoring various financing products advanced to ensure compliance in relation to their satisfactory conduct, ensuring all post approval activities, including conditions precedent to disbursement, are accurate and complete.

• Provide technical support to the branch credit staff and clients on credit/ mortgage related issues.

• Hold meetings with clients, consultants to address issues on proposed construction projects.

• Conduct periodical site visits to assess projects and hold discussion with concerned parties together with the project managers;

• Consult with customers to resolve complaints and verify financial and credit transactions.

• Conduct market intelligence researches and preparation of reports for presentation to the

• Credit Committee on the Real Estate sector and make recommendations for adaptation.

• Participate in the preparation of Board Papers for presentation to the Board Credit

• Committee and Management Papers and reports for presentation to the Management Credit Committee.

• Liaise with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses, verify financial and credit transactions.