Credit Associate

Job Purpose

• Carrying out all maker level activities of credit control function ensuring adherence to all applicable bank policies, procedures, regulations and SLA's.
• Perform UAT's and other tasks assigned by the line manager from time to time related to systems and process improvements.
  

Other

• Perform as a maker for all Credit Control related activities.
• Ensure all transactions are accurately updated.
  

Key Result Areas

• Release and maintain limits in various banking systems in line with credit approvals / documentation unit release instructions.
• Update covenants in line with the credit approval.
• Ensure Zero errors in the activities performed.
• Ensure that the interest rates, earmarking, reallocation and reinstatement of limits are correctly updated in line with approved terms and conditions.
• Ensure all the checklist items are correctly checked and the activities are carried out in line with the standard operating procedures.
• Ensure rollovers, settlements, interest/profit adjustments are carried out in an accurate and timely manner.
• Maintain project trackers for discounting and monitoring progress payment certificates.
• Monitor margin build ups and produce exceptions reports.
• Place and release liens/hold/blocks & freeze on deposits, securities, accounts and investments in line with credit approvals.
• Report any irregularities in a timely manner.
• Prepare and generate credit related reports required for customers, regulators, management, audit etc. on a periodic basis.
• Perform UAT's from time to time for systems enhancement projects.
• Ensure Zero operational losses
• Ensure no audit findings.
  

• All activities are performed with Zero errors while adhering to the SLA's and Bank policies & procedures.
  

Problem Solving

• Provide support and guidance to stakeholders to solve problems as and when required.
  

• Ensure accuracy with Zero errors
• Ensure delivery of high-quality services with strict adherence to the SLA's.
• Ensure Zero operational losses
  

Knowledge, Skills And Experience

• Graduate with fair understanding of credit administration activities.
• A Minimum of 4 years experience in General Banking covering at least 2 years in credit administration related activities.
• Good Communications and interpersonal skills.