  Develop and implement credit policies and procedures in alignment with regulatory requirements and company objectives.     Manage the credit underwriting process, including evaluation of loan applications, credit scoring, and approval/rejection decisions.     Monitor and analyze credit portfolio performance, identifying areas of improvement and implementing strategies to mitigate risk.     Conduct periodic reviews and audits to ensure adherence to credit policies and regulatory standards.     Provide leadership and guidance to the credit team, fostering a culture of accountability, professionalism, trust and continuous learning.     Recruit, train and develop a high-performing credit team capable of meeting organizational goals.     Set performance targets and KPIs for the team, regularly assessing performance and providing feedback for improvement.     Manage budgetary allocations for the credit department, optimizing resource utilization and controlling cost effectively. A strong grasp of credit principles, such as risk reduction techniques, loan structuring, and credit scoring. Proficiency in financial analysis, including the ability to evaluate loan offers, assess creditworthiness, and comprehend financial statements. Advanced analytical skills, with the ability to interpret data, identify trends, and make informed decisions