Credit Evaluation Manager – Asset Finance at HF Group

Job Description

Principle Accountabilities

Credit Assessment & Approval

Review and approve credit applications within delegated limits
Analyze borrower profiles using both traditional and alternative data
Assess collateral value, product type, and loan structure suitability
Ensure compliance with internal credit policies and regulatory guidelines

Portfolio Risk Management

Monitor key credit performance indicators: approval rate, PAR, NPL, LGD
Identify early warning signals of risk concentration or policy gaps
Recommend and implement mitigation strategies

Policy & Process Management

Contribute to credit policy, underwriting guidelines, and scorecard reviews
Ensure rigorous documentation, due diligence, and KYC compliance
Collaborate with product and tech teams to embed credit rules into systems

Stakeholder Collaboration

Partner with business, collections, legal, and product teams for lifecycle management
Train credit officers, relationship managers, and branch staff on credit standards

Analytics & Reporting

Prepare credit reports for Director Credit and Lending Committee
Use tools like Excel, Power BI, and credit analytics platforms for insights
Other Duties

Ensure timely insurance renewals for financed assets
Oversee remedial actions for struggling accounts
Participate in Early Alert, Vehicle Auction, and other relevant committees

Key Competencies and Skills

Competencies

Analytical thinking, risk awareness, accountability, process improvement, collaboration, customer-centric mindset
Minimum Qualifications, Knowledge and Experience

Education

Bachelor’s in Finance, Accounting, Economics, or related field; CPA, ACCA, CFA, or Credit Management certification preferred
Experience

5–8 years in credit assessment/risk management, ideally in asset finance; familiarity with CBK guidelines and scoring models