Contribute to the overall risk management strategy of maintaining/ reducing the level of risk as business expands
To manage the credit function efficiently and effectively in order to ensure that it is a profitable line of business and that the organization is not exposed to risk, maintaining a quality loan book.
Credit policy formulation and review.
Risk Management: Credit risk analysis and evaluation.
Ensure compliance with credit policies and procedures.
Ensure compliance to the agreed SLA/TAT for disbursement and other issues relating to both internal and external customers
Monitoring and administration of credit performance through reports and returns from branches.
Evaluation of customer needs and activities of the competition in liaison with marketing department and the branches with regard to Credit.
Management Information System (MIS) including statutory returns to the Central Bank
Relationship Management.
Branch support and carry out inspection on credit/lending issues.
Overall control of the lending book.
Project relevant trends that affect the collectibles of the portfolio and isolate potential problem areas
Monitor loan repayments globally and initiate/recommend course of action
Ensuring that the security documentation and other necessary documentation are obtained and completed in all respects before draw down of the facility
The initiating, setting up and maintaining of a system of lodgment and withdrawal of securities
Any other duties that may be assigned to you from time to time by Management.
