Branch Credit Administrator

• A bachelor’s degree in any discipline
  
• 2 Principal passes at A’ Level
  
• Credit and/or Pass in English and Mathematics at O’ level.
  

Required Experience

• 3 years’ experience in Banking Operations specifically in Micro or Individual loans products.
  

• Conduct field visits and carry out the verification of loans to improve branch portfolio quality.
  
• Lead and direct the credit committee meetings to achieve efficiency in the operation of the credit section.
  
• Plan, review, and monitor the implementation of guidelines for portfolio quality control and submit periodic compliance reports in line with the work plan and lending policy.
  
• Responsible for relationship management with clients andpotential clients to enhance acquisition, retention, and growth.?
  
• Provide safe custody for the loan securities and files in line with bank policy and procedures in place.
  
• Review credit proposals, appraise and disburse loans for the branch in accordance with the credit policy & the risk management policy.
  
• Review performance of different loan products and make recommendations.
  
• Verify and establish authenticity and completeness of loan documentation in line with the credit policy and defined authorization limits.
  
• Proactively identify and assess the risks faced by the Branch and maintain an effective system of credit controls to minimize exposure.
  
• Liaise with the debt recovery team to support the process of recovery of non – performing loans. Ensuring portfolio quality for the branch and supporting recovery for non-performing loans.