Intuitive credit risk assessment across multiple bank lending products, direct and indirect
Tutoring in the application of lending risk assessment techniques
Director Retail Credit
Up to February 2012
Started at branch level in 1966, specialising towards credit, spent time at H/O assessing large applications for multiple lending products, assisted in compilation of credit management guidelines and policies, assisted in setting up and subsequently managed 14 regional credit centres, being responsible for the bank's retail lending portfolio. Subsequent to retirement was re-engaged and co-ordinated retail lending in the bank's other African franchises.
Assisted in setting up a refined version of the local credit management system for migration of intuitive lending applications from branches to centralised credit centres, at African franchises.
Credit Risk Manager, Banking
Assessment of credit risk for loans (short, medium and long term) trade finance (L/C, FEC, GbB) secured, unsecured or asset based
Management of retail lending portfolio across multiple lending products, score and non-scored, in accordance with defined risk appetite
Providing input towards management of risk appetite criteria