Chief Lending Officer

The Chief Lending Officer is responsible for leading the banks lending and credit operations ensuring sound credit risk management growth of loan portfolios and alignment with the banks strategic objectives. The CLO will develop and execute lending strategies oversee credit policies and drive business growth while maintaining high standards of compliance and risk control.

Key Responsibilities:

1. Strategic Leadership
   • Develop and implement lending strategies across corporate commercial and retail segments to achieve sustainable growth and profitability.
   • Align lending policies and practices with the banks overall strategic objectives and risk appetite.
   • Monitor market trends and identify new lending opportunities.
2. Credit Risk Management
   • Establish and enforce credit policies procedures and underwriting standards.
   • Ensure proper credit analysis risk assessment and portfolio monitoring.
   • Manage problem loans restructuring and recovery strategies to minimize credit losses.
3. Portfolio Management and Growth
   • Oversee loan origination approval and disbursement processes.
   • Monitor loan portfolio performance including delinquency repayment trends and profitability.
   • Drive the growth of key lending segments and maintain portfolio diversification.
4. Team Leadership and Development
   • Lead mentor and develop the lending and credit management team.
   • Foster a high-performance culture with a focus on risk awareness operational excellence and client service.
   • Ensure continuous professional development and training within the lending team.
5. Compliance and Regulatory Oversight
   • Ensure lending operations comply with banking regulations internal policies and risk management standards.
   • Coordinate with audit compliance and regulatory authorities as needed.
   • Implement reporting frameworks for credit risk portfolio performance and regulatory compliance.
6. Stakeholder Engagement
   • Work closely with the CEO CFO and business heads to align lending activities with strategic priorities.
   • Build strong relationships with key clients partners and financial institutions.
   • Represent the bank in industry forums and community engagements.

Qualifications:

• Bachelors degree in Finance Economics Business Administration or related field; MBA or relevant postgraduate degree preferred.
• Minimum 1215 years of experience in banking or financial services with at least 5 years in senior lending or credit management roles.
• Deep understanding of lending products credit analysis risk management and regulatory requirements.
• Proven track record of managing large loan portfolios and driving growth.

Key Skills and Competencies:

• Strong leadership decision-making and strategic planning skills.
• Excellent analytical negotiation and relationship management abilities.
• Sound judgment in risk assessment and credit decision-making.
• Ability to drive business growth while maintaining compliance and operational discipline.

Performance Metrics:

• Growth and profitability of the loan portfolio.
• Asset quality and non-performing loan (NPL) ratios.
• Compliance with regulatory and internal credit policies.
• Efficiency and effectiveness of the lending operations.