To actively monitor portfolio performance through reviewing, compiling and analysing monthly portfolio reports, identifying data patterns and trends from available information sources and interpreting them. Highlighting the credit risk concerns for discussion of the trends with Business Heads and Product Managers and recommending remedial action to mitigate credit risk concerns. Monitoring and follow-up performance of sub performing with focus on one or more of the following areas: loan workout, rescheduling, rehabilitation, acceleration, enforcement, liquidation of assets and collateral, modification and/or implementation of various forms of loan remediation strategies.

Key Accountabilities (Duties and Responsibilities)

Financial-40%

• Maintain loan book quality at the prescribed level of provisions/impairment, PAR
• Work closely with business teams to recover from watch listed accounts.
• Ensure efficient and effective credit portfolio remedial process through application of appropriate remedial procedures in line with the Bank’s credit policies and guidelines.
• Define and recommend appropriate loan work-out strategies that reduce the Bank’s credit risk and maximize return

Customer-20%

• Attend to customer queries/complaints with utmost care/service, review repayment problems and provide solution as per SLAs.
• Provide accurate and timely reports to stake holders highlighting portfolio performance/movement and high-risk loan accounts with recommendations for execution.
• Liaise and provide support to business and credit analysis teams by identifying pertinent market conditions and trends that may affect the bank’s loan portfolio.