Credit Manager

Responsibilities:

• Acquiring new SME clients through consultations, presentations, and studying the activities of both potential and existing SME clients to identify their need for financial services provided by the Bank;

• Selling a comprehensive package of financial services to SME borrowers, offered by the Bank and its Subsidiaries;

• Conducting financial-economic analysis of the financing project and preparing an expert opinion;

• Analyzing balances and transactions on SME borrowers' accounts to initiate measures with SME borrowers to increase the size of transactions and balances on accounts;

• Carrying out financial monitoring of projects and preparing monitoring reports according to the approved schedule and the Bank's internal documents, submitting current monitoring reports to the Credit Committees in a timely manner, as well as reports on overdue loans;

• Conducting checks on the targeted use of loans provided to SME clients, in accordance with the requirements of internal regulatory documents;

Education: 

1. Higher economic/financial/legal/technical-economic/management/mathematical education.
2. Secondary specialized financial/economic education.
3. Other higher education.

Work experience: 

1. In banking/financial institutions/microcredit organizations (credit divisions) for at least 6 (six) months.
2. In a banking structure/microcredit organization (credit divisions) for at least 1 (one) year, if holding other higher education.

Special knowledge required for the role:

1. Knowledge of Kazakh banking legislation and regulatory acts of the NB RK relevant to the Department's activities.

2. Knowledge of SME lending principles in the Bank.

3. Knowledge of SME lending products.

4. Sales technique proficiency.

5. Negotiation skills.

6. Presentation preparation and delivery skills.

7. Skill in gathering and analyzing information for decision-making.

8. Knowledge of the state (preferred) and Russian languages.

9. Proficiency with all office software.