Head, Credit at GTI Microfinance Bank Limited

Job Description

• Evaluating and reviewing of client’s credit proposal for approval or rejection based on credibility, potential revenue and losses to maintain a good balance between returns and risk exposures.
• Preparation of Credit Appraisal Memorandum (CAM) for Management and Board consideration and Approval
• Conducting credit search from an approved Credit Bureau
• Booking of loans in line with approved terms and conditions for the MD’s approval
• Proper documentation and updating of the loan files
• Follow up and monitoring of disbursed loans to ensure timely repayment
• Recovery of delinquent loans and advances
• New products development and review of existing ones
• Develop, review and update the bank’s credit policies.
• Organized in house training for the staff
• Render timely report to regulatory bodies (CBN, NDIC, e.t.c) when required
• Preparing monthly Portfolio AT Risk (PAR) with a summary of loan loss provision required.

Requirements

• MCP certification will be an added advantage.
• Experience: Minimum of 5 years in micro-finance bank sector.