Job Details

To maintain a high standard and quality of credit administration by ensuring:

1.           Strict adherence to monitoring of credit losses: must be within the set target.

2.           Developing and enforcing required Service Level Agreements between business units and CAD

3.           Improving internal customer service as regards turnaround time on CAD functions

4.           Ensuring regular credit file reviews of affiliates on a bi-monthly basis

5.           Supporting the automation of processes that are to be developed and reporting requirements

The incumbent will be responsible for the effective management of the Credit Administration function in the affiliate daily. In addition, the incumbent will conduct bi-monthly review of credit files of the top borrowers in the affiliates, identify issues and escalate them to Country Risk Manager and Group CAD whilst actively following up for the resolution of the identified issues.

The incumbent should be customer & results focused, a good team player

Key Responsibilities

1.           Lead and motivate the Credit Administration Team in the affiliate:

2.           By developing and monitoring KPIs for Credit Administration staff in order to achieve Credit Administration initiatives and projects

3.           Support the transformation of the Credit Administration Department by complying with the standardized processes and the automation of critical processes and reports.

4.           Ensure the usage of Global Standard Credit Administration Reports and standard reporting templates.

5.           On a monthly basis review the processes and SLAs in the affiliate and escalate identified issues/problems to the CRM and Head, Group CAD. Ensure that all identified issues are monitored until resolved whilst providing regular updates to Group CAD and CRM.

6.           Proactively review Service Level Agreements with Business units and other Group Risk Management functions for each process from loan disbursement to Loan monitoring and reporting to provide improved turnaround.

7.           Ensure that all limits are made available to customers within agreed standards set in the SLA.

8.           Ensure that reports to the Portfolio Management unit are properly analysed and signed of by the Country Risk Manager and submitted promptly (within the set deadline) on a monthly basis.

9            Provide leadership and capacity training to affiliate CAD staff to develop a strong credit risk monitoring team.

10.         Ensure strict observance of the affiliate collateral management system for Corporate Customers.

a)           Develop a process for the review and tracking of collateral held by the bank.

b)           Conduct periodic reviews that all collateral for facilities remains enforceable

11.         Contribute to the enhancement of Credit Administration Operational Risk tool kits (RCSA)and ensure quality assurance of all reports submitted to Group Risk.

Education Requirements

Experience & Qualifications Minimum of 5 years of experience in credit risk management Good credit administration skills A good knowledge of banks’ products and services and the operations of other departments Good working knowledge of Company ordinance and legal requirements for perfection of security documentation. Strong credit background Knowledge of risk, control, operations and IT processes. Bachelor’s degree/ BS in Banking and Finance/Degree in Finance, Economics or related field/equivalent professional qualifications. Skills, Capabilities & Personal attributes Strong customer service orientation, Sound knowledge of banking principles, and excellent attention to detail Strong leadership skills, Strong analytic skills, Responsive, Strong Interpersonal Skills, Trustworthy, Strong communication skills and Good team player. Fluency in French and English as may be required.