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Credit Admin Officer at Sigma Consult

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Responsibilities

Manage the credit application and automation process, evaluating the creditworthiness of potential customers’ applications.
Ensure the credit scoring model is adequate for the risk assessment process.
Recommend approvals and reject loans based on an effective credit assessment process.
Ensuring all loan and lending procedures comply with regulations.
Monitoring loan payment and collection.
Ensuring zero tolerance on collections and repayments; escalate and follow up on defaulters on a weekly basis based on the credit policy framework.
Manage and maintain a healthy loan portfolio ratio within the NPL threshold.
Ensuring compliance with terms and conditions of new loan clients.
Interviewing applicants to determine financial eligibility and feasibility of granting loans
Determining all applicable ratios and metrics and setting up debt payment plans
Update job knowledge on types of loans and other financial services
Maintain and update account records
Assess customer needs, explore all options and introduce different types of loans
Develop referral networks, suggest alternate channels and cross-sell products and services to accomplish quotas
Take personal responsibility and initiative to pursue loan recovery on all accounts under your portfolio
Cross-selling other financial services and products, such as risk assets to existing and prospective clients. Also, referring clients to in-house financial advice when necessary.
Daily monitoring of existing loan client’s expected repayment schedules and all missed payments are escalated to credit portfolio manage daily
Prepare weekly/monthly/quarterly Marketing/Sales reports for Management review
Resolving client’s queries and complaints
Preparing weekly, monthly and quarterly performance reports
Attend weekly and monthly Performance Review Meetings.

Requirements

Candidates should possess a Bachelor's Degree in Administration, Finance or related fields with a minimum of 4 years relevant work experience.
Experience in a financial industry.


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