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AVP & Credit Manager, Mortgages

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Credit
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ABU000888 Requisition #

Job Purpose: 

To enable the assessment and credit decisions relating to credit facilities, Mortgage Loans within agreed SLA

Key Responsibilities: 

  • Ensures underwriting quality and resultant portfolios are acceptable within the risk appetite of the bank
  • Improves TAT and efficiencies
  • Creates effective workflow of processing files and tracking the same
  • Ensures compliance with existing policies and documentation requirements
  • Ensures minimal errors rates and audit observations
  • Ensures verification and processes are carried out as per policy guidelines and SOP
  • Ensures all customer KYC and documentation provided is according to C2P2 prior to approval of credit facilities
  • Monitors and reports policy exceptions and trends in loan booking across products
  • Provides interpretation of policies and procedures and ensures proper credit analysis to improve the asset quality
  • Supervises and updated tracking systems for periodic reports
  • Supports automating requirements and implementation of system changes to ensure smooth and efficient process.
  • Manage the effective achievement of assigned objectives through the leadership of the Credit Secured Products department by setting of individual objectives, managing performance, developing and motivating staff to maximise departmental performance.

People Management

  • Defines goals and key performance indicators for each member of the team and ensure effective implementation of the FAB performance management process
  • Implements Manager Scorecard core FAB people management responsibilities including engagement, performance management, and mandatory learning objectives. 
  • Act as a role model and drive adherence to organisational values and ethics by employees of the assigned department to foster a value driven culture within the Group.

 Policies, Systems, Processes & Procedures

  • Ensure effective implementation of Credit & Collections Personal Banking functional policies, procedures and controls covering all areas of assigned department activity so that all relevant procedural/legislative requirements, fulfilled while delivering a quality, cost-effective service within agreed TAT to ensure satisfactory customer experience.

Credit Initiation Management

  • Manage credit Initiation team for Mortgage Underwriting to ensure efficient and effective operations that support the risk tolerance of the Bank while also facilitating desired asset growth objective.
  • Ensures exception approval decisions beyond policy or scoring cut offs are made at the appropriate level and with clear justifications, in compliance with bank’s internal policies and regulatory guidelines.
  • Enhance the use of technology in the credit initiation management to increase the efficiency and effectiveness of the Department.

Business Support

  • Establish strong working relationships and communication with key stakeholders including, collections, and remedial management, product and segment teams.

Reporting

  • Ensure that all department reports are prepared timely and accurately and meet Group requirements, policies and quality standards.

Specific Accountability

  • Ensure TAT is met as per agreed SLA
  • Minimised risk exposure by reviewing the risk potential in detail to reduce any inherent risks to the business
  • Accuracy of reports and analysis conducted
  • Timely and efficient generation of reports for management
  • Timely execute any special work related tasks assigned by line manager.
  • Ensure that audit items are addressed and resolved accordingly

Minimum Qualification

  • Bachelor’s degree in Business, Finance, accounting, economics, Commerce or any related discipline is preferred.

Minimum Experience

  • 6 years’ relevant experience in consumer banking, corporate or commercial banking, with at least 3 years in a similar role
  • Experience in team and process management

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