Team Lead, Credit Office

Responsibilities

Operations

¨      Evaluate and analyze credit requests from clients.

¨      Conduct necessary credit investigation and analysis of the intending borrowers.

¨      Preparation of offer letters for approved facilities.

¨      Perform a comprehensive analysis of the bank’s vendors and participating banks as needed by bank management.

¨      Provide necessary support in completing credit memorandums for new and existing bank relationships.

¨      Provide assistance and recommendations in determining the most appropriate loan structure for borrowers.

¨      Collect and maintain industry data; conduct research on industry specific information from relevant sources.

¨      Support credit administration function for the overall portfolio as may be required.

     Carry out duties assigned

    Reports

¨        Credit Portfolio analysis (Monthly report to BOG)

¨        Management approvals (Quarterly report to the BOD)

¨        Workflow (Daily report)

     ALCO Reports on approved facilities.

Key Performance Indicators 

¨      Credit Application TAT- SLA adherence

¨      Losses from fraud vs total revenues

¨      Credit Underwriting efficiency: Credit lines renewal efficiency/renewal rate reports TAT

Organistional Competencies

¨      Professional Attributes

¨      Business Knowledge

¨      Personal Attributes

Functional Competencies

¨      Credit Analysis

¨      FABL’s Credit Policies, Processes, etc

¨      FABL’s Credit Products

¨      Credit Portfolio Planning

¨      Credit Portfolio Tracking/ Management

¨      Financial/ Report analysis

¨      Debt Restructuring

     Loan workout and Debt Management

Job Specifications

Qualifications & Certifications

¨      A University degree in Accounting or Finance.

      Professional quqlification is ana advantage

Working Experience

3-4 years work experience