Reports to: CEO
Job Responsibilities
Ensure portfolio performance meets defined key performance indicators
Drive activities to improve portfolio performance through analysis of data and processes
Coordinates internal and external resources to develop models predicting credit risk, lifetime profitability and other metrics in order to optimize App Transaction process
Design, build and maintain a risk control framework to track App Transaction portfolio performance
Assist in compliance/regulatory requirements fulfillment
Reviews complex credit analyses, Analyzes balance sheets, income statements, and cash flows of potential borrowers to ascertain creditworthiness.
Maintain current, adequate and verified financial information on borrowers and guarantors as required by association policy.
Performing loan servicing tasks, which may include partial releases, subordination’s to mineral leases and rights of way, division orders, re-amortizations, assumptions, severance agreements, and insurance claims.
Ensure that all assigned loans are properly risk rated, assigned loss given defaults are correct, and performance status assignments are proper.
Comply with proper credit administration practices as outlined in the association’s policies and procedures.
Performs collections on assigned loans and assists management with collections on all loans in the portfolio.
Works with delinquent borrowers to obtain satisfactory loan performance
Performs other duties as assigned
Qualifications
A bachelor degree holder of Banking, Economy, or related area will be preferred
At least 3 years of experience in Retail and online Credit management on consuming loan, Housing/Home Loan, Loan against Property, Personal Loan and Car loan.
Ability to deliver an End to End financing solution to the customers, secure the contract and the loan payment.
Ability to negotiate documentation and payment terms with customers to ensure transactions are properly secured
Must be able to prepare Credit Appraisal Memo (CAM), and Financial Product Portfolio.
Proficiency in computer software applications including all Windows based Accounting systems
Strong organization and maintenance skills
