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Head, Credit Administration
About this role
The role is to lead and oversee the administration and monitoring of the bank’s credit portfolio. It focuses on ensuring proper credit documentation, adherence to facility terms, and effective monitoring of loan performance to identify delinquencies and coordinate collection efforts. The goal is to strengthen credit administration controls, improve repayment performance, and minimise credit losses in line with bank policies, risk appetite, and regulatory requirements. The position is suitable for a candidate who can manage documentation, monitoring, and recovery activities across credit portfolios. E-Barcs Microfinance Bank Limited operates in the financial services sector and emphasises technology, personnel, and expanding services to the under-banked in Nigeria.
What you would do
- Oversee credit documentation and ensure compliance with facility terms and conditions.
- Ensure pre-disbursement conditions are fulfilled and monitor post-disbursement requirements.
- Maintain custody of credit files, security documents, and facility records.
- Record facility terms, repayment schedules and security arrangements accurately.
- Identify and escalate documentation deficiencies and unauthorised variations.
- Monitor credit portfolio performance and emerging risks.
- Review portfolio reports for delinquency trends and concentration risks.
- Coordinate with Credit Risk, Marketing and other departments to address weaknesses.
- Oversee collection strategies and timely follow-up on overdue facilities.
- Establish and monitor procedures for delinquent accounts and repayment tracking.
What they are asking for
- Experience in credit administration, loan documentation, and portfolio monitoring.
- Understanding of credit policies, risk management, and regulatory requirements.
- Ability to coordinate across departments and with external parties for recovery.
- Strong record-keeping and reporting skills.
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