Limited Liability Company Credit Portfolio Manager - Asset Finance, Business and Mortgage Loans Jobs in Kenya
Limited Liability Company Credit Portfolio Manager - Asset Finance, Business and Mortgage Loans Jobs in Kenya
Job Description The portfolio manager is responsible for the overall asset management and reporting for portfolio of loans to support the development of housing, growth and management of the business loans through credit underwriting, managing the prescribed portfolio quality and profitability. As part of Credit, the portfolio manager supports the achievement of the Society’s overall credit work plan goals in relation to Asset finance, Business and mortgage loans.
Duties
Drive the credit strategy through business loans portfolio
Enforces Credit Policy and risk management policy with regards to business & Asset Finance loan portfolio
Ensure accurate completion of internal loan reviews and determination of appropriate risk ratings. Provide credit risk management of the business loan portfolios
Formalizes action plans for loans having upcoming maturity dates
Review of loan applications and analysis of credit information to assess customer's credit worthiness
Conducts in-depth analysis of balance sheets and profit and loss statements of business loans applicants
Conduct regular site visits and prepare site visit reports to the Head of Credit for all loans in his/her portfolio. This will include but not limited to site inspections, appraisals reviews and borrower or project financial analysis.
Exercise due diligence in operations on Know your customer (KYC),Anti-money laundering (AML) to prevent and detect frauds and forgeries.
Provides advice and guidance to credit officers at the branch level regarding business loan policies and procedures, credit analysis, financial statement evaluation, and credit investigations.
Administer loan portfolio to ensure proper mix of loan types, maximization of yields, maintenance of quality control, and minimization of losses
Implement and maintain controls for underwriting, loan administration and collections of business loans.
Provide analytical data in relation to product, demographic, gender, sectorial reporting etc.
To ensure the attainment of Loan repayment & recovery department targets, objectives and management of PAR per product and overall.
Any other lawful duties as may be assigned from time to time by the Head of Credit or the C.E.O.
Background Requirements
Proven experience, as a credit portfolio manager or similar role in
credit department
Strong business acumen
Sufficient knowledge of modern management techniques and best practices in credit management
Ability to meet business targets and goals
Excellent organizational skills
Be of exemplary integrity and honesty
Must be empathic to Customer needs
Be decisive and possess quick judgment skills
Possess excellent business writing skills
Be proactive and initiative
Have excellent communication and interpersonal skills
Must be self- motivated and be ready to work with minimum supervision
Be a team player
Formal Qualifications
A relevant degree or Diploma.
A professional qualification in credit is an added advantage.
At least 6 years’ experience in a financial institution.
Be between 32 – 40 years of age.
Minimum KCSE (C Plain) with C (plain) in English & Mathematics
Disclaimer
The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.
How to Apply
You will be required to go through the Job Descriptions and market yourself by sending a one-page cover letter about yourself and achievement(s) to date. Other required documents are your CV containing three referees, copy of national I.D. Card, copies of academic and professional certificates, current certificate of good conduct or prove of application of the same and other testimonials clearly quoting the job reference as the subject header to
applications@dnajobs.co.ke on or before 22nd November 2020 by 6.00 p.m.
NB: The Cover letter, CV and all other documents should be in PDF format and sent as one document.
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