JOB PURPOSE:
- Reviews Credit Applications (CAs) submitted by Corporate Group, verifies contents for accuracy & evaluates relevant credit risks & makes the appropriate amendments to mitigate these risks.
- Validates clients internal rating submitted by business on rating system & makes appropriate amendments.
- Investigates and analyses credit data and financial statements to determine degree of risk regarding the extension of credit
- Makes appropriate credit recommendations/ approvals
KEY ACCOUNTABILITIES & DETAILED TASKS:
Quality Assurance:
- Ensure that Existing and future corporate commitments & investments are managed in accordance with a system & processes.
- Ensure Timely processing of credit applications by adhering to credit policies, processes & procedures.
- Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
- Review corporate customer files to identify and select delinquent accounts
- for collection
Monitoring & Support:
- Assigns monitors and reviews the progress and accuracy of assigned work. Familiarizes employees with established credit policies, procedures, rules and regulations. Provides technical guidance on the more complex issues
- Evaluates, recommends, and implements changes in methods, processes, and procedures related to credit to improve customer service and maintain business objectives.
Anti-fraud prevention:
- Adherence to all regulations and control functions within the bank in order to ensure that governance, Audit, risk and compliance, fraud detecting and combating matters are carried out.
QUALIFICATIONS, EXPERIENCE, & SKILLS:
- Bachelor's degree in relevant disciplines as a minimum in; accounting or finance,
- +8 Years minimum experience in Credit Risk in peer bank
- Good analytical & evaluation skills with focus on risk & mitigations.
- Able to communicate with counterparts
