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Working closely with the Head of Credit he /she will ensure compliance with internal credit policies & procedures and facilitate prudent management of credit risks while ensuring compliance with the CBK prudential guidelines. He /she will also ensure that all Credit proposals from the branches are reviewed for credit risks in accordance with internal policies and procedures, CBK prudential guidelines and best practice .He /she shall safeguard the institution against loss by ensuring accuracy, completeness and credit worthiness of credit proposals, recommend appropriate risk mitigation mechanisms such as proper securities and their perfection, relevant sanction conditions and post disbursement follow ups.
To ensure that Credit requests are analyzed against all the canons of lending (Character, Capacity , Conditions, Capital and Collateral) as a basis for making approval / decline recommendations Countercheck and approve all SME applications analyzed by Micro lending analysts and ensure they are processed within the acceptable timelines.
To ensure that Sanction sheets and offer letters are prepared based on 1 above and ensure accuracy , completeness and neatness of the same for further approval by relevant Head office Credit Committees
Prepare draft board papers for facilities requiring approval by the Risk Management Committee of the board for further review by management at Credit Administration departments Follow up with the branches to ensure fulfillment of ALL sanction conditions and other covenants prior disbursement of the facilities
Submission of securities to security perfection officer within 12 hours of receipt from branches for further advise to legal department
Verify Compliance to canons of consumer lending through inspection of ability to pay, fulfillment of consumer MOU requirements and proper documentation to ensure credit risk is adequately mitigated. Review loan security margins as per the existing market trends and advice the management on any necessary reviews. Ensure there is a clear credit risk policy in place outlining the key mitigation processes.
Recommend policy reviews for customer service and risk management improvement based on experiences and industry trends
Do any other duties that may be assigned by the Management.
Skills: Business Transformation
Education: Bachelor Commerce: Commerce
Closing Date: 24 June 2022