Purpose:
To ensure and maintain a high-quality Retail Loan book by appraising and approval of Retail Clients’ applications in line with the bank’s policies, making recommendations to the approving authorities for timely decisions.
Responsibilities/Duties/Tasks
Reviewing, analyzing, and vetting credit proposals and making recommendations to the approving authorities
Ensure requisite documentation and checks are done prior to processing of the applications
Ensure all applications are processed within benchmarked turnaround times
Exercise diligence, independence, and good judgement in credit decision to ensure quality Retail Credit portfolio
Ensure the applications meet the bank policies before recommendation for approvals
Ensure all control checks required in review of retail applications are done prior to approval or recommendation for approval.
Employer call back for employee verification for Workplace Banking applications and other products that require this as per process
Enforcing compliance with the bank’s credit policies in daily operations.
Tracking and communication
Ensure proper tracking and Monitoring of manual logs in application trackers and shared folders.
Coordinate application movement process between branches and approving authorities.
Branch support with queries
Guiding/advising branch staff, Relationship staff and DSEs on credit appraisal requirements for the credit products.
Participate in Training frontline staff on the loan applications process
Portfolio management activities
Review requests for Collateral release/substitution, partial liquidation Establishing conduct of existing facilities and obligations of the client and recommend for approval based on the request.
Review of credit card due for renewals and recommending to the authority for approval.
Providing feedback for bureau update files
Process Reviews and improvements
Identifying areas of weakness and risks in credit process, policy improvements and escalation these to team leader
Continuously review underwriting tools and recommend for improvement
Decision making and accountabilities
Giving recommendation to the approvers on of credit facilities based on the analysis. Assessing the level of risk that a client presents to the bank and the client’s creditworthiness.
Recommending improvements to policy rules and processes
Vetting and reviewing Credit applications in a timely manner.
Coordinating the process of movement of proposals and advising credit decisions between branches, approving authorities and customers.
Providing feedback loop for any issues noted to inform policy decisions
Person Specifications
Bachelor’s degree plus Professional qualification
At least 4 to 6 years of work experience
Knowledge of Retail Banking products
Excellent communication and interpersonal skills
Advanced financial risk analysis skills
Credit risk management skills
Excellent problem solving and decision-making skills
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