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Financial 40%

• Maintain loan book quality at the prescribed level of provisions/impairment, portfolio at risk amount/Ratio
• Work closely with business teams to recover from watch listed accounts.
• Ensure efficient and effective credit portfolio remedial process through application of appropriate remedial procedures in line with the Bank’s credit policies and guidelines.
• Define and recommend appropriate loan work-out strategies that reduce the Bank’s credit risk and maximize return.

Customer 20%

• Attend to customer queries/complaints with utmost care/service, review repayment problems and provide solution as per the existing SLAs.
• Provide accurate and timely reports to stake holders highlighting portfolio performance/movement and high-risk loan accounts with recommendations for execution.
• Liaise and provide support to business and credit analysis teams by identifying pertinent market conditions and trends that may affect the bank’s loan portfolio.

Internal business processes 25%

• Ensure that all credit files for cases in default are updated in time as per the Bank’s credit policy
• Conduct a systematic site visit schedule on collateral and Businesses.Deliver demand notices and follow up on recovery.
• Plan and coordinate the portfolio review meetings.
• Recommend reschedules, restructure credit facilities including repayment terms, as well as develop strategies.
• Proactively engage with borrowers, other lenders, facility Agents, and other departments to devise loan workout strategies that protect the Bank and strengthen its credit risk profile.
• Closely interact with key stakeholders.
• Ensure comprehensive record management of credit files.
• Attend and actively contribute to the relevant committees of the Bank including; MCC, RSCC & EASCC.
• Ensure that the updated guidelines, policies and operating procedures for the unit are in place.
• Conduct regular training on Remedial matters and practices.
• Support capacity building of Branches through continuous training, assessment and guidance on remediation.
• Provide accurate and timely Loan Remediation reports to the Senior Management.
• Recommend underperforming loan facilities to Manager Recoveries and DCAs.
• Contribute to the joint compliance effort with Internal Audit and the Compliance Office.
• Encourage the identification of opportunities for remedial process improvement.
• Undertake all such other duties and responsibilities as may be assigned.

Learning and Growth 15%

• Drive learning and growth by achieving self-development goals, completing at least 40 training hours for self and direct reports, conducting regular performance reviews, and supporting branch capacity building to improve performance and loan book quality.