Manager Credit SME
Salary not disclosedPosted 1 day ago
Closes in 10 days
About the company
HFC Bank is a financial services provider operating in Fiji's banking industry. It positions itself as a fast-paced, Equal Opportunity Employer that invests in its people and offers attractive benefits within a challenging, creative work environment.
About the role
This Manager Credit – SME position sits within HFC Bank's Credit team and reports to the General Manager Credit. The role holder assesses, approves, and recommends SME lending facilities within delegated lending authority, ensuring decisions align with the Bank's credit policies, risk appetite, and regulatory requirements. Beyond day-to-day credit decisions, the incumbent provides credit advisory support to business units and monitors the quality of the SME lending portfolio. The role also involves preparing portfolio analysis and management information to support strategic decision-making. This opportunity is based at HFC Bank's Head Office in Suva.
Key responsibilities
- Assess and evaluate SME lending applications in accordance with the Bank's Credit Policy, Procedures, and Risk Appetite.
- Exercise delegated Credit Approval Discretion (CAD) in approving lending facilities within authorised limits.
- Prepare comprehensive credit assessments and recommendations for facilities that exceed delegated authority and escalate them through the appropriate approval channels.
- Conduct detailed financial analysis, including assessment of financial statements, cash flow projections, business performance, and repayment capacity.
- Identify, assess, and mitigate credit risks while ensuring prudent lending decisions are maintained.
- Ensure compliance with internal credit policies, regulatory requirements, and applicable legal obligations relating to lending.
- Monitor the performance and quality of the SME lending portfolio and recommend appropriate remedial actions where necessary.
- Partner with Business Banking teams to structure appropriate lending solutions that meet customer needs while managing credit risk.
About the successful candidate
- A Bachelor's Degree in Banking & Finance, Accounting, Economics, Business Management or a related discipline.
- Demonstrated experience in SME and commercial lending, including complex credit analysis and credit structuring.