Credit Associate

**Job Purpose**

Job holder is mainly responsible for:

- Carrying out all ‘maker’ level activities of credit control function ensuring adherence to all applicable bank policies, procedures, regulations and SLA’s.
- Perform UAT’s and other tasks assigned by the line manager from time to time related to systems and process improvements.

Other
- Perform as a maker for all Credit Control related activities.
- Ensure all transactions are accurately updated.

**Key Result Areas**
- Release and maintain limits in various banking systems in line with credit approvals / documentation unit release instructions.
- Update covenants in line with the credit approval.
- Ensure ‘Zero’ errors in the activities performed.
- Ensure that the interest rates, earmarking, reallocation and reinstatement of limits are correctly updated in line with approved terms and conditions.
- Ensure all the checklist items are correctly checked and the activities are carried out in line with the standard operating procedures.
- Ensure rollovers, settlements, interest/profit adjustments are carried out in an accurate and timely manner.
- Maintain project trackers for discounting and monitoring progress payment certificates.
- Monitor margin build ups and produce exceptions reports.
- Place and release liens/hold/blocks & freeze on deposits, securities, accounts and investments in line with credit approvals.
- Report any irregularities in a timely manner.
- Prepare and generate credit related reports required for customers, regulators, management, audit etc. on a periodic basis.
- Perform UAT’s from time to time for systems enhancement projects.
- Ensure “Zero” operational losses
- Ensure no audit findings.

Operating Environment, Framework and Boundaries, Working Relationships
- All activities are performed with “Zero” errors while adhering to the SLA’s and Bank policies & procedures.

**Problem Solving**
- Provide support and guidance to stakeholders to solve problems as and when required.

Decision Making Authority & Responsibility
- Ensure accuracy with “Zero” errors
- Ensure delivery of high-quality services with strict adherence to the SLA’s.
- Ensure “Zero” operational losses

**Knowledge, Skills and Experience**
- Graduate with fair understanding of credit administration activities.
- A Minimum of 4 years’ experience in General Banking covering at least 2 years in credit administration related activities.
- Good Communications and interpersonal skills.