Processes

Appraising borrower information to determine ability to service loan for purposes of adherence to the lending policy. This is done through various analysis templates depending on limits and nature of income of borrowers. (In i-apply). This includes but not limited to:

• Identify loan product requested by the customer and the requirements.
  
• Ensure the necessary KYC requirements have been adhered to, call backs on employment letters, statements etc. have been performed.
  
• Conduct thorough analysis of financial statements and assessment of credit requests, through preparing spreadsheets and models.
  
• Assess payment capacity
  
• Assess collateral adequacy.
  
• Review prevailing economic trends, and risk ratings, and applying the same in the appraisal process.
  
• Bring out policy exceptions and breaches, recommend adequate mitigants, and seek necessary approvals.
  
• Recommend, Approve, Refer or Decline requests for Credit Facilities in accordance with the Delegated Authority Mandate
  
• Ensure compliance with all credit policy guidelines
  
• Follow through with transactions to the end
  
• Training teams one on one to reduce on back and forth
  
• Develop various templates to guide the credit process
  
• Handle audit queries emanating from the credit process
  
• Monitor turnaround time on requests
  

Strategy

• Setting card underwriting requirements
  
• Reviewing acquisition, behaviour and fraud scorecards
  
• Managing credit line increases/decreases
  
• Monitoring delinquency trends (roll rates, flow rates)
  
• Approving scorecard-based lending limits
  
• Portfolio segmentation and credit card risk analytics
  
• Working with collections on early-stage past-due accounts
  
• Working closely with fraud teams to prevent card fraud
  
• Understanding transaction monitoring and fraud patterns
  
• Supporting the cards product team on new card launches
  
• Limit assignment, and risk-based pricing models
  
• Ensuring compliance with card-specific CBK guidelines
  
• Managing credit card portfolio audits
  

Financial

• Supporting the RO/RM’s to achieve set income targets (Interest income and Non-interest income)
  
• Ensure the correct charges are applied
  
• Ensure all excesses are fully provided
  
• Manage office costs within reasonable levels
  
• Cross sell bank products
  
• Push on products that deliver quick income
  

People Management

• Provide the interface between business and credit.
  
• Give quality feedback to the business teams on the quality of applications and the areas of improvement.
  
• Support the business teams in serving their customers in a timely manner customer by giving prompt feedback
  
• Give business reports on loans processed and declined to help in decision-making.
  
• Supporting branches in packaging credit proposals to ensure clarity for faster approval and adoption.