Working closely with the Head of Credit, he/she will ensure all retail loan applications are verified with the employers to confirm the authenticity and ability, retail MOU reviews, relationship and PAR management.
Ensure all retail loan applications are verified with the employers to confirm the authenticity and ability.
Ensure that deduction data advice forms are submitted to the relevant employers and that all loans are fully recovered in order to maintain a quality portfolio.
Ensure that payment schedules are collected from relevant employers in time to facilitate loan recovery for all disbursed loans.
Ensure that reconciliation of payments received and the expected installments is up to date for all retail loans.
Ensure that all posting schedules for payments have been received and handed over to Credit MIS for processing. Ensure that all retail relations are well maintained for smooth process flow.
Review all existing retail relationships and making recommendations to the management to aid quality retail lending.
Follow up with the branches to ensure fulfillment of ALL Retail MOU sanction conditions and other covenants prior to disbursement of the facilities.
Recommend policy reviews for customer service and risk management improvement based on experiences and industry trends.
Ensure that the quality of retail loan book is maintained within set targets.
Prepare periodic reports on performance of the retail loan book.
Ensure the team cohesively works to deliver expected objectives.
Do any other duties that may be assigned by the Management.
