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• Responsible for the set-up and monitoring of the structures of credit operations unit.
• Ensures timely, complete and accurate posting of sanctioned transactions into the banking system to deliver on service to customer while curtailing income leakages.
• Identifies and corrects anomalies on accounts arising out of processes, system or errors from credit operations staff and recommends corrective action to department and Bank management on the identified system or process gaps to mitigate operational losses.
• Responsible for the accuracy, completion and maintenance of all mandatory client and account data is captured in the system for credit transactions and reporting purposes. This extends to all information required by external and internal stakeholders including originating departments, support functions, regulators and external service providers.
• Develops lines of communication to ensure timely dissemination of credit risk management policies, procedure and other credit risk management information to all individuals involved in the credit processes.
• Identify opportunities for improvement in credit processes and procedures and accordingly advise management.
• Responsible for resolution of customer queries, disputes, complaints and ensure the integrity of the system is maintained at all times within the Bank’s acceptable service standards.
• Effectively coach, motivate, supervise and appraise credit operations team members and influence them to take positive action and accountability for their assigned work.
• Monitor the performance of the Credit Operations unit through periodic performance reviews and ensure that staff are performing to expectation; identity and address areas of improvement.
• Identify training needs of all section staff and ensure appropriate training is provided to meet those needs.
• And any other responsibilities that may be assigned to you from time to time.
• Evaluate the performance of the loan portfolio and generate periodic reports with recommendations to Management
• Carry out any other duties as may be assigned by the head of department or management.

Financial Responsibility:

• Responsible for the Credit Operations targets on mitigation of financial losses likely to arise from errors, negligence, fraud and misrepresentation as may be agreed from time to time.
• Responsible for avoiding any regulatory & other penalties relating to Credit Operations.