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Maintain credit standards through accurate and speedy sanctioning of application within the MRF portfolio. To evaluate and manage the credit and associated risks within an allocated portfolio. To effectively integrate, manage and control the credit function by ensuring that quality of credit risks across your portfolio is maintained, thereby minimizing the risk of loss through bad debts, while maximizing profits.
Credit standards are monitored through the arrear management process, while speedy credit approval turnaround times are maintained.
Control and management of the risk to the business by analysing credit applications and determining, within allocated mandate, whether the risk is acceptable and/or referral to a higher mandate holder with a suitable recommendation.
To interact with other areas of the bank in acting as a catalyst in driving the changed initiatives in ensuring compliance with agreed risk parameters as set out.
Implementation of the overall strategy in keeping with the banks defined appetite for risk and ensuring appropriate approval at all mandate levels.
Building and managing relationships across all key stakeholders and actively participating in the various forums CredCom and Collections to name a few.
Manage the credit risks associated with various functions within the bank including direct decision making responsibilities within pre-defined mandate levels.
Prepare the monthly statistics to identify risk issues at an early stage where supplier performance as measured.
Ensure the achievement of the lending growth target within the parameters of conducting quality lending practices
Manage the prevention of bad debt through accurate and detailed sanction procedures
Prepare Credit Committee papers for Credit Committee and Risk Management Committee when required.
Ensure compliance with the Credit policies and escalate all exceptions where deemed appropriate
Maintain credit standard through arrear management
Ensure approvals are within the agreed turnaround times
Mandate adherence at all times
Portfolio Management
Managing the applicable credit portfolio to ensure that any problems are identified at an early stage and the appropriate remedial action is determined and taken through escalation as appropriate.
Conduct research of various industries, best practice methodologies and changes in markets thereby identifying risks to adjust lending parameters.
Offer guidance to business in structuring/customizing credit facility options and parameters for successful application of credit approvals.
Early detection, management and escalation of risk to mitigate and/or minimise potential losses.
Quality of credit assessment measured as a percentage of non-performing loans and provisions raised.
Managing and controlling all associated risks including covenant management, security requirement and updates as well as the provision of required information/schedules.
Manage the application register and prepare meaningful MIS relating to supplier performance, approval and decline percentages and volumes
Weekly Reporting on agreed requirements
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