Manager Credit Operations

Manage the Bank’s credit operations function within the Technology, Operation & Enterprise Projects department, in all aspects of drafting Letters of offer, disbursement of credit facilities and marking of limits while ensuring data integrity, financial performance analysis, customer query  management, security vault custodianship, credible filing system of credit related documents, management of insurance policies etc. The above are key to facilitating a control driven supporting credit strategy for business growth.

Financial (20%)

• Absolute adherence to signed off Process and Procedure Manual, T24 Manual or formally escalates any gaps noted to line Manager and IT prior to inputting any data into live system and before resolution confirmation.

• Ensures that there are no losses on income streams by accurately collecting facility fees, commissions and other charges as per approval as contained in the FMM.

• Put mechanism in place for completeness of revenue collection on all manual processes within credit operations.

• Product support and risk monitoring on credit operations.

• Ensure effective incidents reporting on lapses & closure as recommended by risk to avoid any exposure within credit operations.

Internal business processes (50%)

• Effectively implement appropriate process mechanism in credit operations to ensure that transaction processing is handled in a timely and efficient manner and that all elements of operational risk, e.g. fraud, follow up of Audit.

• Consistency in adherence to and effective application of established credit administration systems (policies, processes, and tools) to achieve optimal compliance, efficiency and cost containment.

• Ensure the quality of credit documentation, specifically facility offer letters in line with the approved credit application, credit policies and procedures, prudential guidelines and other relevant legislation.

• Review that protection of assets pledged as collateral for facilities by regular update/review/renewal of pertinent insurance policies

• Work closely with the IT Team to ensure all manual processes within the units are enhanced or automated to improve on efficiency and turnaround time.