Consumer Credit Monitoring at United Bank for Africa (UBA)

Job Objective(s)

• Undertake post-disbursement review of accounts, inflow monitoring review and identify early warning signs
• Follow up on expired and over-line facilities
• Ensure firm follow up on the customer’s employer once default is observed
• Ensure compliance with the bank’s policy on collateral and valuation as applicable
• Ensure the borrower has registered the required insurance policy in favour of the Bank and is regularly paying the premiums
• Carry out snap checks on branches on various credit related issues
• Monitor transaction dynamics and performance of retail risk assets and promptly recommend appropriate action to Management
• Carry out and report detailed review of retail Bank wide risk assets portfolio for Nigeria and Africa
• Follow up on the Business units to ensure accounts are adequately funded to take care of Imminent maturing obligations
• Engage in joint calls with Relationship Managers
• Follow up on the business unit to ensure that exceptions and findings are urgently regularized/addressed
• Identify breach of credit policy and escalate to management

Minimum Education Qualifications

• B.Sc. minimum of 2 years working experience

Previous Work Experience Requirements

• Minimum 2years in similar position

Skills required:

• Post disbursement review on all newly booked facilities
• Follow up on all expired and over-line accounts
• Timely and accurate preparation of Monthly portfolio report
• Ensure valid insurance policy and collateral valuation is in place where applicable
• NPL reduction within the set bucket
• Hold meetings with delinquent customers for prompt regularization
• Rendering of all management report timely and accurately