01Overview
Job Purpose
The purpose of this job is:
To deepen wallet share through customer engagement and enhancement of customer ROE.
Monitor all aspects of the loan performance of existing clients which includes collection of payments, making sure payments are made timely; all customer queries are attended to as per SLAs; maintain portfolio hygiene
Ensure portfolio administration and risk management of each client relationship follows established internal policies, procedures and business strategy as well as statutory and regulatory guidelines.
Mitigate and manage risk by proactively identifying if a client's business is not doing well.
Recommend risk mitigation actions on a case to case basis such as restructuring or eliminating loans, increasing interest rates or fees and making sure the Company is compensated effectively for the risk.
Key Result Areas
KRA (Accountabilities) (Max 1325 Characters) Supporting Actions (Max 1325 Characters) KRA1 Portfolio
Management Monitors loan repayment activities and takes necessary action to collect past due accounts and monitors ongoing repayment ability of all other accounts.
Monitors the financial statements of existing clients which involves analyzing risk and making sure their financial capabilities are in line with lending requirements.
Provides loan increases and renewals to existing clients. Manages the renewal process by working with the Relationship Manager, the client and the credit analyst.
Examines loans due for re-evaluation and potential renewal in order to determine if they still represent profitable investments for the organization. Prepares the renewal application and submits it for approvals accordingly KRA2 Portfolio
Management Periodically reviews existing loans to ensure the continued security and profitability of the portfolio
Ensures that assigned loan accounts operate as authorized, and take all measures necessary to correct default payments or, in the case of non-performing loans, enforces the security documentation to ensure loan repayment
Ensures strict adherence to risk, compliance and legal norms in sales processes as regulated and laid down by Compliance Team KRA3 Client
Engagement
& Relationship
Management Ensures problems/ issues are resolved satisfactorily
Provides advice and counsel to clients regarding trends and conditions of the business environment, capital markets and general credit trends. KRA4 Client
Engagement
& Relationship
Management Participates in community and business functions/groups to ensure a positive image for the business and brand within the region's marketplace.
Deepen wallet share and ROE expansion .
