Job Description

Job SummaryThe Credit Facilities Manager is responsible for leading the organization's credit risk management function by developing and enforcing credit policies, evaluating credit applications, monitoring credit exposure, and ensuring compliance with approved credit procedures. The role holds the final authority for approving or declining credit applications within the established risk framework and provides strategic guidance to business units on credit-related matters. The job holder also oversees the credit team, optimizes resources, and supports sound business growth through effective credit risk management.Key ResponsibilitiesCredit Policy & Risk ManagementDevelop, implement, and continuously enhance credit policies and procedures in line with business objectives and risk appetite.Define and assign appropriate credit limits for business units and customers based on risk assessments.Recommend improvements to credit policies, procedures, and supporting information systems.Monitor overall credit exposure across the organization and provide timely reporting to management.Identify emerging risks, warning signals, and potential areas of concern, recommending corrective actions as required.Credit Assessment & ApprovalEvaluate and process customer credit applications in accordance with established credit policies and procedures.