Job Purpose:
- To prepare independent analysis of retail credit reviews and submit summary of analysis for credit review above delegated authority.
- To support the Retail segment asset book growth within acceptable PAR tolerance levels to ensure the product remains profitable.
Key Responsibilities:
- Ensure that all client documentation is complete and up to date
- Ensuring that Shariah-related, Know Your Customer (KYC), Anti-Money Laundering (AML), and other policies are adhered to.
- Ensure Service Level Agreement TAT is adhered to through strict monitoring of files held at Credit.
- Check completeness of documents submitted by the branch managers.
- Immediately inform the Branch/Relationship manager of any document missing (according to the checklist).
- Review inward cheques report and excesses daily reports to ensure that they are appropriately sanctioned and therefore safeguard the bank from financial loss from unauthorized extension of credit.
- Timely analysis of credit applications while ensuring that good quality of the financing assets is achieved.
- Preparation of various management Reports.
- Review of new and existing products as per bank guidelines.
- Operations
- Receive credit applications from relationship managers and branches.
- Prompt and fair allocation of applications in the Credit Pool.
- Compliance
- Ensure compliance with both internal and external regulatory requirements.
- Review and ensure compliance of facilities approved conditions.
- Ensure compliance with Credit policies and procedures at all times.
- Ensure compliance with set SLAs at all times.
Qualifications, Experience and Functional competencies
Qualification and experience
- Bachelor’s degree in an Analytical/Business related field
- 4 years banking experience in a lending function with at least 2 years in credit analysis or business development
- Relevant Shariah policies/ processes knowledge
- Product knowledge
- Relevant Bank policies, e.g. KYC/AML knowledge
- Knowledge of credit analysis