Job Description

Co-ordinate day-to-day activities in the lending function, ensuring consistent sound decisions within approved framework resulting in a healthy and sustainable growth of a profitable loan portfolio.
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 policies
• Oversee adjustments/extensions and other post investment support
• Oversee collections and implement collection activities timeously
• Lead recoveries through internal and external resources (debt collectors)
• Minimise impairments and bad debts
• Maintain excellent client relationships and satisfaction levels leading to low attrition

Reporting & Compliance
Weekly, monthly, quarterly, semi-annually and annual reporting to internal and external stakeholders on lending activities
Ensure compliance to applicable laws and regulations
Organisation Development

• Manage team to ensure achievement of goals and client satisfaction
• Support self-development of team, adherence to mandatory training and continuous learning
• Contribute to the development and implementation of sound policies and procedures
• Monitor market conditions and regulatory changes and make recommendations for enhancements to existing policies and procedures
• Provide support in strategic projects, policy and process improvements initiatives and product development

Qualification and Skills Required:

• Relevant degree or diploma
• 5+ years credit experience, ideally in lending
• Analytical skills and attention to details
• Problem-solving capabilities and excellent organizational and time management skills
• Proficiency with Microsoft Office and general lending/credit tools
• Sound credit judgement. Ability to understand the risk return trade-off and come up with well thought-out solutions to mitigate credit risk

Should you not receive a response within 10 working days, please consider your application as unsuccessful

Skills Required