JOB SUMMARY

Implement all guidelines, processes and procedures to facilitate efficient underwriting norms to improves portfolio quality and customer experience.

Job Responsibilities:

Credit Underwriting

• Implement the operational systems, policies, and processes in support of business objectives or customer needs as may be communicated from time to time.
• Adhere strictly to company underwriting policies and procedures and growth, quality and profit objectives through the loan approval process. 
• Analyse pertinent financial and credit data and makes final credit decisions (approval or declination) within signing authority. Recommends to higher level of authority as appropriate. 
• Provide guidance to line officers as applicable on identification and management of fraudulent loans. 
• Assist in the development and implementation of risk frameworks to mitigate fraud using customer data.

People Management 

• Provide direction and clarify responsibilities for team members. 
• Communicate effectively with team members and ensure that they are accurately and promptly informed as required. 
• Ensure team cohesiveness and effectiveness within the department. Ensure a seamless handshake with the processes and teams of other departments. 
• Provide support necessary to achieve high employee engagement within the department.
• Conduct training classes on new or updated operational procedures. 
• Plan, support, evaluate the performance of members of the division. 
• Provide development support and equip team members with the knowledge and skills required to perform their job effectively.

Desired Experience/Knowledge

• At least 2 years’ experience in a similar role within the financial services industry. 
• Bank operations or risk management will be an added advantage 
• Knowledge of operational principles and practices, regulatory environment and policies