Head, Credit Risk Management at Pishon and Brooks Advisory Services

Pishon & Brooks Advisory Services Limited (PBAS) is a professional services firm that supports her clients by managing their end-to-end HR Processes in order to enhance their productivity and growth aspirations.JOB OBJECTIVES

Lead all credit underwriting and portfolio management functions for the company, ensuring sound credit decisions that enable portfolio growth while maintaining asset quality. This role will establish credit policies, lead the Credit Committee, and build the credit team’s capabilities to support the company’s growth objectives.

KEY RESPONSIBILITIES

Establish and maintain the credit policy framework for all lending products, including underwriting criteria, collateral requirements, pricing guidelines, and approval authorities
Chair the Credit Committee and make final credit decisions within delegated authority, ensuring consistent application of credit standards and risk appetite
Lead the credit team including credit analysts and portfolio management staff, building deep capabilities in credit assessment across various sectors
Design credit assessment methodologies for different product types and customer segments
Establish credit turnaround standards and implement processes to achieve speed without compromising quality
Oversee portfolio monitoring and early warning systems to identify deteriorating credits and trigger remediation actions
Manage problem loans and workout situations, maximizing recovery through collateral enforcement and restructuring where appropriate
Develop credit scoring models and decision tools to improve efficiency and consistency of credit decisions, particularly for repeat customers
Collaborate with business development and risk teams to ensure alignment on credit criteria and risk appetite
Report to the Board on portfolio quality, credit trends, and concentration risks with recommendations for policy adjustments
Ensure compliance with CBN regulatory requirements for credit risk management and provisioning

QUALIFICATIONS & EXPERIENCE

Bachelor’s degree in Finance, Accounting, Economics, or related field; Master’s degree (MBA) and professional certification (ACIB, ACA, ACCA, FCIB, CFA) strongly preferred
Minimum 12 years of experience in credit/lending with at least 5 years in a senior credit leadership role at a bank or major finance company
Deep experience in SME/commercial lending with proven track record of managing portfolio quality through growth cycles
Strong knowledge of various credit products including working capital, asset financing, and structured facilities
Experience building and leading credit teams and Credit Committee processes
Demonstrated ability to maintain low NPL ratios while supporting business growth
Knowledge of CBN regulatory requirements for credit risk management and provisioning

SKILLS & COMPETENCIES

Expert credit judgment with ability to assess complex transactions and business models across various sectors
Strong leadership skills to build, develop, and manage high-performing credit teams
Strategic thinking to design credit policies that enable growth while managing risk
Excellent analytical capabilities for portfolio analysis and trend identification
Process orientation to establish efficient credit workflows meeting turnaround targets
Collaboration skills to work effectively with business development, risk, and operations teams
Communication skills for Credit Committee leadership and Board reporting
Decisiveness to make timely credit decisions under pressure