Senior Credit Manager

Manpower

Key Responsibilities:Credit Evaluation and Approval:

Review and approve large and complex credit applications within delegated authority limits.
Analyze financial statements, credit reports, and other relevant information to assess the creditworthiness of applicants.
Ensure all credit approvals comply with internal policies and regulatory requirements.

Risk Management:

Develop and implement credit risk management strategies and policies.
Monitor the performance of the credit portfolio and identify potential risks.
Provide recommendations to mitigate identified risks and ensure the quality of the credit portfolio.

Team Leadership:

Lead and mentor a team of credit analysts, providing guidance and support to ensure high-quality credit assessments.
Conduct performance evaluations and provide professional development opportunities for team members.

Collaboration and Communication:

Work closely with sales, legal, and operations teams to facilitate smooth credit approval processes.
Communicate credit decisions and rationale to relevant stakeholders.
Participate in credit committee meetings and contribute to decision-making processes.

Reporting and Analysis:

Prepare regular reports on credit approvals, portfolio performance, and risk metrics.
Analyze trends and data to provide insights and recommendations for improving credit policies and processes.

Compliance:

Ensure compliance with all applicable laws, regulations, and internal policies.
Stay updated on industry trends, regulatory changes, and best practices in credit risk management.

Qualifications:

Bachelor's degree in Finance, Accounting, Business Administration, or a related field. Master's degree or professional certification (e.g., CFA, CPA) is preferred.
Minimum of 7-10 years of experience in credit risk management, with a focus on credit approval and risk assessment.
Strong analytical skills and the ability to interpret complex financial data.
Excellent leadership and team management skills.
In-depth knowledge of credit risk management principles, practices, and regulatory requirements.
Proficiency in financial analysis software and credit risk management tools.
Strong communication and interpersonal skills.