Job purpose
- Examines, evaluates and processes applications for credit or loans. He/she is responsible for the follow – up and maintenance of assigned credit accounts from Relationship Managers
Accountabilities:
- Applications Administration: Assisting in the preparation of credit proposal, through:
Obtain financial statements and necessary documents from clients.
Prepares the structure of credit facility. - Financial Spreads: Preparing spread sheets based on the financials of the existing / prospective customers.
- Financial Analysis: Interpreting and analyzing the financials supported by the spread sheet and other information gathered to produce effective reports explaining the historical operating performance of a company as well as its financial position, liquidity, & cash flow management etc. to support informed decision making.
- Credit review: Assist in preparing the CPs to credit committees and handle requests for clarification and additional information. Advise client of progress of application
- New Customers: Approaches prospected customers to market corporate facilities.
- Customer Service: Handles all customers’ inquiries while maintaining high level of customer satisfaction. Acting as a first level point of contact for corporate customers to resolve any problems, in the absence of Relationship Managers; as a necessary step, accompanying the Relationship Manager to at least one meeting with the client whose loan has been approved.
- Account Management: Assisting in the account management process as instructed by the Unit Head: This includes but is not limited to: Monitoring customer compliance with credit limits and initiating Early Alert Signals.
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