To ensure quality of the credit portfolio as defined by Group, credit policies and business strategy, and the reporting of the information relating to that portfolio is timely and accurate.

To proactively instill a strong credit culture by setting the highest standards and demanding that these are maintained by others.

Ensure that the quality of the limit applications meet Group standards, particularly with regards to the completeness and depth of risk analysis.

Approve limit applications falling within own discretion and support applications which require approval outside those discretions (including applications falling under Group Credit Committee (GCC) / Regional Credit Committee (RCC) credit process).

Approve breaches of Credit Policy and to the extent permitted by the Group Credit Policy Statement, breaches of Group Credit Policy.

Formulate and obtain approval of Credit Policy which is supportive of PF/CF business strategies.

Ensure timely submission and accuracy of data to the local Credit Policy Committee and to Group Credit Risk Management in respect of key risk indicators required to monitor compliance with Group and Local Credit Policy.

Monitor compliance with credit policy and business strategy.

Participate in relevant committee meetings.

Working with relationship managers and Group Special Assets Management (GSAM) in identification and managing up impaired accounts to maximize recoveries and minimize losses.

Undertake regular customer visits, which will involve international travel to keep abreast of market developments.

Management professionals with 12-14 years of experience in banking either as a Relationship Manager or Credit Analyst or a combination. Deal Structuring experience mandatory / Project Finance experience desirable.

Effective collaborative skills that contribute to positive working relationships with counterparts in Group Risk and the business.

Flexibility to work across different transactions and situations globally, and change priorities at short notice.

Demonstrates ability to think objectively and "think outside-the-box" when analyzing issues and recommending / developing recommendations.

Effective oral and written and presentation communication skills.

Excellent administration and organizational skills together with planning and coordination experience.

Demonstrated understanding of and commitment to the Group's core values.

Ability to exercise good judgment and objectivity.