Our client is a Statutory Institution
CREDIT AND RISK OFFICER
Implementing the Institution’s Credit and Risk Management Function at provincial level.
Provide support to the Credit Control and Risk Department at Provincial level;
Propose loan conditions that contribute to project viability and sustainability;
Liaise with Financial Institutions contracted to undertake Credit Management services in submission of business plans and receipt of copies, Term Sheets and Loan Agreements;
Review collateral documentation received from the Credit Managers and ensure the Certificates of Title are sent to head office for safe custody;
Ensure that all properties proposed for security have corresponding valuation reports from Government Valuation Board registered valuers;
Timely visit the funded projects to ensure prudent usage of disbursed loan amounts and loan repayments;
Reconcile loan statements before release of title and closure of loan accounts;
Monitor and report on the compliance of Credit Managers with the credit Management Agreement and guidelines;
Submit monthly reports to Credit Reference Bureau on time;
Prepare credit reports at product, Credit Manager and provincial levels;
Monitor all loans under management through Credit Managers and ensure 100% disbursement and repayment rates is maintained;
Assist in the formulation, implementation and periodic review of the Credit Policy, Risk Policy, Credit Procedure Manual, Risk Procedure Manual and other guidelines under the Credit & Risk Department;
Assist in identifying, assessing, quantifying and mitigation risks to the Institution by developing a robust risk management system;
Provide support in undertaking risk assessment on Project Finance/Micro Credit/Construction Finance Initiative projects by undertaking appraisals, due diligence and KYCs;
Maintain an updated database of the loan book and update loan statements, and
Attend to clients’ complaints and queries at provincial level.
KNOWLEDGE, SKILLS AND EXPERIENCE:
Grade Twelve (12) Certificate
Degree in Business Administration, Commerce, Economics, Finance, Banking or related field
Prior credit administration/risk knowledge an advantage
Excellent written and spoken communication skills
Good interpersonal skills and paying attention to details
At least three (3) years working experience in credit management in a regulated bank or other regulated lending institution
• The ideal candidate is expected to be of sober character, intelligent, a team player and able to work to achieve set goals.
Interested Candidates can email their CVs (in Microsoft word only) to email@example.com and cc: firstname.lastname@example.org. Closing date is 30th October 2016.
– The position title being applied for should be included in the subject of your e-mail.
– Your attachments must bear the position title you are applying for and your full name.
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