Loan Processing Officer – Retail Assets Operations

1. JOB TITLE Loan  Processing Officer – Retail Assets Operations – ITO GRADE: B9
DIRECT TO: Manager, Retail Assets Operations
  • Delivery of Retail Assets Operations
  • Guidance on system processes and standards on service quality
  • Head of Retail Banking Operations – ITO
  • Business Policy, strategy and channel efficiency performance
  • Guidance on Credit Policy, processes and reviews
  • To manage the loan application process ensuring quality of service
  • Customer service management
  • To ensure compliance with local Credit Policy, national legal regulatory and government bodies requirements
  • First level of appraisal for all applications received must be done
  • Ensure timely and accurate document processing to GSSC for data input
  • Manage and achieve all defined and agreed service quality measures
  • Ensure compliance to credit policy guidelines
  • Ensure the FIFI queues are promptly executed as per credit policy
  • Ensure a Credit Reference bureau check is conducted and analyzed on all processed applications
  • Manage application process to achieve agreed loan turnaround times and maximize approval rates
  • Maintain healthy work relations with Credit Initiation, GSSC CI and GSSC Operations with view to harmonize workflows and quality of service.
  • Fully comply with all policies and procedures and KCS to achieve satisfactory audit grades in local & Group audits
  • Ensure you remain alert to the risk of money laundering and assist in the Bank’s efforts in combating it by adhering to the key principles in relation to: identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers.
  • Operational Support areas, Consumer Credit, Marketing, Retail Lending, SME, members of staff, Scope International team
  • Quality of service
  • Portfolio health
  • Achievement of unsecured lending processing targets
  • Understands products and target market as well as the risk associated with the business
  • Understands the relevant law, regulations and practices to understand how they increase/ mitigate risk
  • Understand competitor products in order to provide input/feedback into product development with a view to enhance our competitive edge
  • Degree / Diploma (or equivalent) in banking related field
  • Minimum two years work experience
  • Credit assessment skills
  • Good interpersonal and communication skills
  • Excellent team building qualities;
  • In-depth knowledge of products, services and customer service issues.
  • Well-informed of the market competitive structure, industry practices and regulations for credit delivery.
  • Excellent interpersonal and networking skills, internally and externally.
  • Computer literate (Word, Excel, Power Point, and the use of other spreadsheets);
  • Sound knowledge of banking practice and theory;
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.
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