Job Description

• Ensure the Institution’s portfolio quality is within acceptable standard.
• Ensure Team Coherence and take Lead in responsibilities.
• Reduce income leakage by championing the automation of all income lines.
• Monitor post disbursement conditions, track all deferrals and work with Credit Team to ensure compliance.
• Ensure timely portfolio quality reports to Management on weekly and monthly basis, or as and when required.
• Prepare and coordinate the required regulatory reports on portfolio quality on time and avoid any delays in submission.
• Conduct periodic collateral inspection to ensure security accepted at inception of facilities are always unencumbered and protected.
• Interact with customers to understand their business cycles for effective monitoring.
• Improve workflow between credit monitoring and the Credit team to build a robust credit monitoring framework.
• Supervise closely the Credit Monitoring team to limit the number of Early Warning Accounts migrating to Recoveries.
• Avoid delays in review of loans, comply with Service Legal Agreement
• Ensure compliance to regulatory standards (limits)
• Update the Management Approval Register on daily basis, to keep up to date record of all approvals granted by management.
• Conduct periodic assessment of the portfolio to ensure the institution will be able to withstand external and internal shocks.

Required Skills or Experience

• University Degree-holder finance, accounting, or related disciplines.
• Minimum 5 years of relevant working experience in the financial services industry
• A master’s degree is an added advantage.
• A sound understanding of Credit Risk Management principles and philosophy.
• Digitally competent, utilizing technology to reduce cost and improve services.
• Ability to effectively identify issues, analyze the problems and root causes and provide solutions.
• Ability to communicate and work with people at different levels and from different background.
• A keen and effective team player with excellent inter-personal skills
• Ability to understand and interpret financial information and principles.
• Excellent knowledge of MS office with significant report writing skills and presentation.