Head Credit Origination Business Banking

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With over 100 years of rich history and strongly positioned as a local bank with regional and international expertise, a career with our family offers the opportunity to be part of this exciting growth journey, to reset our future and shape our destiny as a proudly African group.

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To lead the Credit Origination function for Business Banking, driving balance sheet and revenue growth through high-quality credit underwriting, portfolio optimization, and proactive risk management. This role ensures that all credit decisions align with the bank’s risk appetite while enabling sustainable business growth and supporting the Business Banking strategy, proactive portfolio oversight, ensuring compliance with internal credit policies and regulatory requirements.

• Oversee the assessment and structuring of credit facilities in line with customer needs and risk appetite. Lead the origination of new credit facilities to achieve business banking balance sheet and NII targets.
• Ensure quality credit assessment and structuring of deals to support
• Drive the achievement of key financial metrics
• Ensure timely and quality credit decisions that support revenue generation while maintaining credit standards.
• Contribute to sector risk credit appetite formulation by developing a strong understanding of key sector growth drivers and performance lead and lag indicators. Support embedment and understanding of sector risk acceptance criteria in deal origination and structuring by coverage teams.
• Demonstrate strong financial modelling capability to originate, evaluate, structure and present bankable transactions ensuring commercial viability risk transparency and alignment with credit standards and investment standards.
• Convert complex model outputs into clear decision-ready insights for senior management and committees.
• Work in partnership with Investment Banking team in deal structuring.

• Ensure strong portfolio health by maintaining PAR within acceptable levels.
• Drive early warning, restructuring, and Exit Watch List (EWL) processes.
• Ensure rigorous oversight of covenant compliance, excess management, and deteriorating accounts.
• Uphold a robust control environment through timely reviews and credit risk reporting.
• Ensure RORWA thresholds set by the bank are met/tracked.

• Collaborate with Relationship Managers to unlock additional value from existing portfolios.
• Improve Credit Client NPS through faster and more responsive credit processes by ensuring timely turnaround on credit reviews including New Business Committees, Internal Reviews and minimal RTSes.
• Support customer engagement through joint visits and relationship deepening strategies.
• Support robust tracking of deal pipeline ensuring that deals originated are accurately tracked in the workflow tracking tools deployed the bank. In addition, track pipeline conversion and engage various stakeholders to unlock any challenges.

• Support delivery of the Business Banking efficiency ratio and headline earnings.
• Optimize resource allocation and productivity within the Credit Origination team.
• Contribute to the restructuring and recovery of struggling accounts in line with strategy.
• Contribute to capacity building within relationship and credit analysts teams by working alongside Credit and Learning & Development teams to facilitate trainings required to bridge credit/product learning gaps.

• Partner with front‑office and product teams to streamline credit processes and improve deal turnaround times.
• Lead…