Job Requirements

• A University Degree from a recognized institution

• 7 years’ banking experience in Financial/banking,

• 5 years of which should be in Asset Based Financing.

• 3 years’ experience in loan administration, asset monitoring & tracking systems. 

• 3 years’ experience in Portfolio performance reporting & Insurance premium financing mechanics. 

• 3 years’ experience with loan & facility Documentation (loan agreements, facility offer letters, term sheets, security documentation), pre- and post-disbursement controls.

• Hands-on experience with collateral registration (e.g., vehicles, equipment, receivables), charge documentation, deeds of assignment (receivables, insurance policies), Logbook loans / chattel mortgages, debentures (fixed & floating charges) and their legal enforceability.  As well as Insurance Premium Financing (IPF) Documentation

• Entrepreneurial and Commercial thinking

• Excellent research, analytical, and problem-solving skills.

• Integrity & courage to challenge actions within various business units and the status quo.

• Strong persuasion, management and communication skills

• Strong organizational skills

• Excellent stakeholder management skills

• Creative approach, with the ability to anticipate challenges and develop innovative solutions;

• Ensure compliances with agreed TAT on issuance of release letters 

• Ensure there is timely cross checking and Sign off Documentation checklists to facilitate release orders by SDC. 

• Manage the end-to-end loan booking process for both Retail and Corporate ABF loans.

• Ensure Bank policy regarding prudential guidelines is observed 

• Update the ABF Manuals and policies in Liaison with the relevant units to suit the business 

• Reviewing the processes in the unit to determine any possible areas where an operational loss can occur and do a return to unit head inclusive of action plan. 

• Reporting any operational loss to Operational Risk Management Department. 

• Ensure that the non-performing book does not exceed the agreed percentage of the total book by the bank / division, through review and querying of Credit reports on status of ABF and IPF Loans and partnership ship meeting to discuss progress. 

• Monitoring of status of various ABF and IPF accounts, and calling for action by Credit support, Portfolio Managers, Branch managers where no actions have been taken. 

• Ensure there is provision of efficient customer service to all clients (internal and external). 

• Collating the reports for the unit in liaison with ABF-RM’s, Dealer relationship desk documentation & securities section – Disbursement, Approvals, Dashboard, Annual Budget/Targets