Head, Credit Origination

About the role

Responsible for leading the Credit Origination team in proactively originating, assessing, structuring, and supporting the execution of structured debt and lending solutions for Business and Commercial Banking clients. The roleholder partners closely with Relationship Managers and product teams to deliver tailored financing solutions, drive revenue growth, enhance portfolio quality, and ensure a seamless client credit experience.

Key responsibilities

• Identify, originate, and structure tailored credit and financing solutions for Business and Commercial Banking clients; lead assessment and structuring of lending transactions; participate in deal negotiations and business assessment forums.
• Conduct comprehensive financial, credit, industry, and market analysis; identify emerging risks and portfolio vulnerabilities; conduct due diligence and integrity assessments.
• Work closely with Relationship Managers to understand client needs; build partnerships with Legal, Risk, Compliance, Product, and Operations teams; engage external stakeholders such as valuers and legal advisors.
• Contribute to structured debt product growth through pipeline development and market penetration; provide insights on target sectors and growth strategies; support revenue growth through effective origination and conversion; coach Relationship Managers on credit analysis and deal structuring.

Required profile

• Bachelor's degree in Business, Commerce, Finance, Economics, Accounting, Banking or a related field; postgraduate qualification is an advantage.
• Professional banking or credit/risk management qualification (e.g., ACCA, CPA, CIMA, ACIB, AKIB, CA) or equivalent.
• Minimum 8 years of relevant banking experience, with 5‑7 years in credit origination, corporate/business banking or structured finance.
• Proven track record in credit analysis, financial assessment, lending transactions and deal structuring; experience partnering with Relationship Managers.

Required skills

• Strong credit analysis and financial modelling capabilities.
• Deep understanding of corporate lending, structured finance and risk management principles.
• Advanced commercial and business acumen; strong negotiation, influencing and stakeholder management skills.
• Knowledge of banking regulations, compliance frameworks and governance standards; excellent analytical, problem‑solving and decision‑making abilities.