Applies subject matter expertise to oversee the development and implementation of the credit strategy, policies, and procedures. Provides expertise in establishing the organisation's credit risk exposure threshold in line with its corporate needs and the set organisational objectives. Ensures that credit principles and credit management controls are implemented appropriately.

Uses full knowledge in establishing the organisation's credit systems and processes, credit management controls procedures and credit policies. Provide expertise in applying the credit principles in complex situations and advise the teams on proper credit risk assessment procedures. Provides recommendations on the organisation's credit risk exposure and establishes threshold.

Uses in-depth knowledge in applying credit management controls in assessing the credit risk of different clients. Uses deep knowledge in analysing different types of credit according to the organisation's credit policy. Act as a guide to the team while addressing client financing needs to align them with the organisation's credit risk exposure threshold.

Possesses specialised knowledge of the credit principles and credit management and the organisation's credit policy. Demonstrate awareness of client needs from financing and the credit risk associated according to the organisation's credit policy. Is able to conduct credit risk assessment observing all elements of the credit principles.

Demonstrate a basic knowledge of the different types of credit and is aware of the credit principles. Shows basic understanding of the credit assessment and credit risk analysis. Shows awareness of the organisation's credit policies and procedures.