Job Responsibilities :
Loan origination and processing
- Implement loan origination strategies with lending team
- Assist team to conduct the application process accurately, within reasonable timelines and according to approved processes
- Lead more complex transactions
- Review and recommend funding applications in a timely manner, communicating any deviations, key risks and mitigants
- Oversee legal agreements and conditions precedent
- Review and recommend all disbursements
- Maintain records of loan applications
Monitoring and Collections
Actively monitor loans after disbursement according to guidelines and policiesOversee adjustments / extensions and other post investment supportOversee collections and implement collection activities timeouslyLead recoveries through internal and external resources (debt collectors)Minimise impairments and bad debtsMaintain excellent client relationships and satisfaction levels leading to low attritionReporting & Compliance
Weekly, monthly, quarterly, semi-annually and annual reporting to internal and external stakeholders on lending activitiesEnsure compliance to applicable laws and regulationsOrganisation Development
Manage team to ensure achievement of goals and client satisfactionSupport self-development of team, adherence to mandatory training and continuous learningContribute to the development and implementation of sound policies and proceduresMonitor market conditions and regulatory changes and make recommendations for enhancements to existing policies and proceduresProvide support in strategic projects, policy and process improvements initiatives and product developmentQualification and Skills Required :
Relevant degree or diploma5+ years credit experience, ideally in lendingAnalytical skills and attention to detailsProblem-solving capabilities and excellent organizational and time management skillsProficiency with Microsoft Office and general lending / credit toolsSound credit judgement. Ability to understand the risk return trade-off and come up with well thought-out solutions to mitigate credit risk