Candidate Profile

• Cross selling of institution products and services to existing and potential customers. • Looking for clients to advance loans to in a bid to empower their businesses and income. • Marketing all loan products to existing and potential customers • Conduct of initial customer interviews for loan applications • Customer appraisal and preparation of loan documentation for presentation to the credit approval committee. • Follow up and proper recording (documentation) of all follow up activities for delinquent loans. • Safety and proper maintenance of credit files for all loans under my portfolio.

• Responsible for achievement of the overall portfolio budget growth and quality targets for the branch. • Mentoring, training and couching of all the credit staff within the branch. • Creation of a conducive working environment for all credit staff to perform their duties. • Ensure optimal staffing and supervision of all the credit staff within the branch. • Target setting, Performance management and appraisal for all the credit staff within the branch in accordance with set targets. • Cascading and enforcement of all credit circulars on policy changes and lending guidelines communicated from head office from time to time. • Cross selling of other products and services of the BRANCH to increase the institution’s income streams from existing customers. • Batch-proofing of all loans disbursed on daily basis. • Any other duties as may be assigned from time to time by the Chief Executive Officer

• Responsible for achievement of the overall portfolio budget growth and quality targets for the branch. • Ensure loans in arrears are promptly followed up and proper evidence of follow up is maintained on the customers’ credit files. • Appraisal and account relationship management for all SME/Corporate customers in the branch (where no designated SME staff available) • Alternate Chair of the branch credit committee meetings and responsible for risk assessment of all the loans disbursed in the branch. • Ensure full compliance to credit policies and procedures for all the loans disbursed within the branch. • Mentoring, training and couching of all the credit staff within the branch. • Responsible for safety of securities and credit files within the branch (2nd custodian to securities & files) • Creation of a conducive working environment for all credit staff to perform their duties. • Ensure optimal staffing and supervision of all the credit staff within the branch. • Target setting, Performance management and appraisal for all the credit staff within the branch in accordance with set targets. • Cascading and enforcement of all credit circulars on policy changes and lending guidelines communicated from head office from time to time. • Cross selling of other products and services of the Bank to increase the Bank’s income streams from existing customers. • Ensure that all the customer service level agreements are adhered to at all times such as the turn around time for loan appraisals and prompt feed back to customers’ enquiries/complaints. • Batch-proofing of all loans disbursed on daily basis. • Any other duties as may be assigned from time to time by the branch manager or Head of Credit.

• Ensure 100% compliance to P&Ps; • Timely Disbursement of duly approved Credit Facilities; • Ensure proper documents are on file and all approval conditions have been met prior to draw down. • Ensure correct amounts are maintained, all applicable fees collected promptly. • Quick and effective communication to parties on the pending issues at disbursement level. • Offer leadership and motivation to the unit staff; • Build and develop a high performing team; • Offer support and guidance to credit officers.

• Managing the growth and performance of branch loan portfolio develop, execute plans and implement strategies set by the institution. • Assessing, reviewing and approval of loans as per policy. • Maintaining a quality portfolio for the branch as per the set targets. • Follow up and proper recording (documentation) of all follow up activities for delinquent loans. • Cross selling of other bank products and services to existing and potential customers.