Cluster Credit Manager

### **Job Summary:**

The Cluster Credit Manager is responsible for overseeing and managing the credit portfolio and risk exposure across a designated cluster of branches or business units. This role involves leading a team of credit professionals, developing and implementing credit strategies, ensuring adherence to credit policies and regulatory guidelines, and driving sound credit decisions to maintain portfolio quality and achieve business objectives. The successful candidate will play a critical role in mitigating credit risk while supporting business growth within their assigned cluster.

### **Key Responsibilities:**

• Develop, implement, and monitor credit policies, procedures, and strategies for the assigned cluster, ensuring alignment with overall organizational goals and regulatory requirements.
• Lead and manage a team of credit analysts and officers, providing guidance, training, and performance evaluations to foster a high\-performing credit culture.
• Oversee the comprehensive credit assessment, underwriting, and approval process for various loan products and customer segments within the cluster.
• Manage the overall credit portfolio quality of the cluster, identifying potential risks, implementing proactive mitigation strategies, and ensuring timely resolution of problematic accounts.
• Conduct regular portfolio reviews, analyze credit trends, and prepare detailed reports on credit performance, risk exposure, and compliance for senior management.
• Collaborate closely with business development and sales teams to support new business initiatives while ensuring credit quality and prudent risk\-taking.
• Ensure strict adherence to all internal credit policies, external regulatory guidelines, and compliance standards (e.g., Basel Accords, local banking regulations).
• Participate in the development and implementation of debt recovery strategies for non\-performing assets within the cluster, working with legal and recovery teams.
• Provide expert advice and guidance to branch managers and relationship officers on complex credit cases, structuring deals, and managing customer relationships effectively.
• Stay abreast of market conditions, industry trends, and economic indicators that may impact credit risk within the cluster and adjust strategies accordingly.