Head, Credit Administration at E-Barcs Microfinance Bank Limited

Job Purpose

• To provide leadership and oversight for the administration and monitoring of the Bank’s credit portfolio, ensuring proper credit documentation, compliance with approved facility terms, effective monitoring of loan performance, timely identification of delinquent accounts, and coordinated collection and recovery efforts. The role is responsible for strengthening credit administration controls, improving repayment performance and minimising credit losses in line with the Bank’s policies, risk appetite and regulatory requirements.

Key Responsibilities

• Oversee credit documentation and ensure compliance with approved facility terms and conditions.
• Ensure fulfilment of pre-disbursement conditions and monitor outstanding post-disbursement requirements.
• Ensure proper maintenance and custody of credit files, security documents and facility records.
• Ensure accurate recording of facility terms, repayment schedules and security arrangements.
• Identify and escalate documentation deficiencies and unauthorised variations.
• Oversee credit portfolio monitoring, repayment performance and emerging credit risks.
• Review portfolio reports to identify delinquency trends, deteriorating accounts and concentration risks.
• Coordinate with Credit Risk, Marketing and other relevant departments to address portfolio weaknesses and improve credit quality.
• Oversee collection strategies and ensure timely follow-up on overdue facilities.
• Establish procedures for monitoring delinquent accounts and tracking repayment commitments.
• Review collection performance and implement corrective measures where necessary.
• Coordinate with business units to improve repayment discipline and reduce loan delinquency.
• Oversee recovery strategies for seriously delinquent and non-performing facilities.
• Coordinate with Recovery, Legal and external solicitors on recovery actions, settlements and enforcement proceedings.
• Ensure that restructurings, settlements and write-offs are processed in accordance with approved policies and delegated authority.
• Prepare periodic reports on portfolio quality, delinquency, collections, recoveries and documentation exceptions.
• Ensure compliance with credit policies, internal controls and applicable regulatory requirements.
• Promptly escalate material control weaknesses, suspected irregularities and significant recovery challenges.