Head, Credit Processing at GTI Group

Location: Lagos Island, Lagos
Job Description

• Evaluating and reviewing of clients’ credit proposals for approval decision based on credibility, potential revenue and losses to maintain a good balance between returns and risk exposures.
• Preparation of Credit Appraisal Memorandum (CAM) for Board’s consideration and approval.
• Conducting credit search from an approved Credit Bureau for facilities of N50,000 and above.
• Booking of loans in line with the credit policy and approved terms and conditions.
• Proper documentation and updating of the loan files.
• Collaborating with branches to achieve budgets on risk assets creation.
• Make recommendation for review and update the bank’s credit policies as necessary.
• Organize in-house training for staff and Loan Officers on loan products and processing.
• Render timely report to regulatory bodies (CBN, NDIC, etc) when required.
• Preparing monthly report Portfolio AT Risk (PAR) with a summary of loan loss provision required.
• Preparing monthly credit performance reports (branch wise and product wise).
• Prompt and accurate monthly update of loans on the Credit Bureau and CRMS portal.
• Attend Management Credit Committee, Strategic Business Unit (SBU) and Management Meetings.

Requirements

• Bachelor's Degree with a minimum of 5 years work experience.

Key Skills:

• Analytical/ Initiative Skills.
• Excellent Interpersonal Skills & Customer Centric.
• Strategic Orientation.
• Ability to work under pressure.
• Good Managerial/Administration traits.
• Ability to work in team(s).
• Outstanding organizational and leadership abilities.
• Aptitude in decision-making and problem-solving.
• Working knowledge of data analysis and performance / operation metrics.