BRANCH  CREDIT  ADMINISTRATORThe  Branch  Credit  Administrator  will  report  to  the  Branch  Manager  and  is  responsible  for  reviewing  credit  proposals,  appraise,  disburse  loans  and  maintain  portfolio  quality  in  line  with  the  bank’s  policies  and  procedures.

Specific  Responsibilities  include:  -
1.  Conduct  field  visits  and  carry  out  the  verification  of  loans  to  improve  branch  portfolio  quality.
2.  Lead  and  direct  the  credit  committee  meetings  to  achieve  efficiency  in  the  operation  of  the  credit  section.
3.  Plan,  review,  and  monitor  the  implementation  of  guidelines  for  portfolio  quality  control  and  submit  periodic  compliance  reports  in  line  with  the  work  plan  and  lending  policy.
4.  Responsible  for  relationship  management  with  clients  andpotential  clients  to  enhance  acquisition,  retention,  and  growth.?
5.  Provide  safe  custody  for  the  loan  securities  and  files  in  line  with  bank  policy  and  procedures  in  place.
6.  Review  credit  proposals,  appraise  and  disburse  loans  for  the  branch  in  accordance  with  the  credit  policy  &  the  risk  management  policy.
7.  Review  performance  of  different  loan  products  and  make  recommendations.
8.  Verify  and  establish  authenticity  and  completeness  of  loan  documentation  in  line  with  the  credit  policy  and  defined  authorization  limits.
9.  Proactively  identify  and  assess  the  risks  faced  by  the  Branch  and  maintain  an  effective  system  of  credit  controls  to  minimize  exposure.
10.  Liaise  with  the  debt  recovery  team  to  support  the  process  of  recovery  of  non  –  performing  loans.  Ensuring  portfolio  quality  for  the  branch  and  supporting  recovery  for  non-performing  loans.

Minimum  Academic  Education  &  Training
•  A  bachelor’s  degree  in  any  discipline
•  2  Principal  passes  at  A’  Level
•  Credit  and/or  Pass  in  English  and  Mathematics  at  O’  level.

Required  Experience
•  3  years’  experience  in  Banking  Operations  specifically  in  Micro  or  Individual  loans  products.

Business  Behaviors
•  Good  communication  skills.
•  Leadership  skills
•  Interpersonal  skills
•  Ability  to  demonstrate  positive  image  of  the  Bank
•  Must  be  a  person  of  impeccable  integrity.  •  Should  not  be  more  than  40  years  of  age.

For  internal  staff  to  qualify  for  the  above  positions,  they  should  have  met  expectations  in  the  recently  concluded  performance  evaluations.