Reported successfully

Credit Audit Planning & Execution

• Assist in developing annual credit audit plans based on risk assessment.
• Lead and supervise credit audit engagements across branches and business units.
• Review loan files and credit documentation to assess compliance with policies and procedures.
• Evaluate credit approval, disbursement, monitoring, renewal, restructuring, and recovery processes are complying with the policy and Standard Operations Procedure.
• Assess the effectiveness of credit monitoring process and compliance at all branches.
• Assess portfolio quality and identify emerging credit risks.

Risk Assessment & Internal Control Review

• Evaluate the effectiveness of credit risk management controls.
• Identify policy violations, operational weaknesses, and control gaps.
• Assess compliance with regulatory requirements and internal guidelines.
• Review loan classification and provisioning practices.

Fraud investigation

• Identify the any potential fraud case related with credit operations at all level who involve in any part of credit lifecycle either internal or external involvement.
• Support special investigation on any fraud case related with credit operations at all branches.
• Recommendation to prevent future fraud case related with credit operations.

Reporting & Recommendations

• Prepare comprehensive audit reports with findings, risk ratings, and recommendations.
• Report the audit findings to internal audit and compliance manager.
• Monitor implementation of corrective actions and follow-up on audit issues.
• Maintain audit documentation and working papers

Team Management

• Provide guidance and coaching to Credit Audit Officers.
• Review audit working papers prepared by audit staff.
• Support training and development of junior auditors.

• Bachelor's Degree in Finance, Accounting, Banking, Business Administration, Economics, or related field.
• Minimum 3–5 years of experience in Internal Audit, Credit Audit, Credit Risk, or Banking and finance Operations.
• At least 2 years in a supervisory or team leadership role.
• Strong understanding of lending products and credit risk management.
• Credit risk assessment and analysis.
• Audit planning and execution.
• Report writing and presentation skills.
• Leadership and team management.
• Analytical and problem-solving skills.
• Strong knowledge of banking regulations and credit policies.
• Proficiency in Microsoft Office applications.