Job Purpose Summary:

The incumbent will supervise the processing of activities within the Retail Finance Unit in such a manner as to protect the Group from undue credit risks. The incumbent will provide guidance and support for the officers responsible for the processing of Retail loans.

Essential Duties & Responsibilities by Dimensions:

A. Shareholder & Financial:

• Ensure that the information concerning Retail loans processed that is disclosed to stakeholders is complete and accurate.

• Implements KPI’s and best practices for Assistant Manager, Retail Loans role.

• Act within the limits of the powers delegated to the incumbent.

• Promote cost consciousness and efficiency and enhance productivity, to minimise cost, avoid waste, and optimise benefits for the bank

B. Customer (Internal & External):

• Provide feedback to Retail Banking business units’ managers and, as appropriate, recommend course of action.

• To assist customers in all their queries on Bank’s product and seek solution to their requests.

• Maintain activities in accordance with Service Level Agreements (SLAs) with internal departments/units to achieve improvements in turn-around time.

• Provide timely/accurate data to external/internal Auditors, Compliance, Financial Control and Risk when required

C. Internal (Processes, Products, Regulatory):

• Respond to all management requests/ reports. Review and follow up on management reports in a timely manner.

• Critically review and comment (if any) on all credit proposals revisions and related paper work.

• Liaise with Group Compliance on QCB related compliance issue, and with the Group Risk as and when needed.

• Ensure accurate and timely preparation of management information system (MIS) and other reports related to the credit process and portfolio.

• Ensure regular updating in the system of various credit-related data in the Group’s system to aid decision-making.

• Obtain and compile copies of loan applicants' credit history and other financial information.

• Oversee loan repayments, fees collection and payment scheduling.

• Follow up on outstanding loan documents per established procedures.

• Maintain data accurately in the bank’s systems relating to loan facilities, transactions and customer data.

• Check the settlement of Retail loans through the system.

• Check the cancellation of vehicles installments, the rescheduling calculation and the transferring of loans from branch to another.

• Check the dealers, showroom and the insurance companies’ accounts payables.

• Provide timely and accurate information to the external and internal auditors and the Compliance function as andwhen required.

• Support International branches and Subsidiaries

D. Learning & Knowledge:

• Stay abreast of new types of loans and other financial services and products in order to better meet customers' needs.

• Ensure high standards of data protection and confidentiality to safeguard commercially sensitive information.

• Seek improvements to current processes and recommend them to the Supervisor of Retail Loans

• Ensure high standards of confidentiality to safeguard commercially sensitive information.

• Make sure that Business Continuity measures are coordinated and controlled within the department.

Education/Experience Requirements:

• Bachelor degree University Graduate/preferred with a Major in Marketing, Banking, Finance, Accounting, Economics, Business Administration or Information Technology (related field of study)

• At least 4 years of relevant experience, preferably within a highly rated international bank / with special emphasis in Retail loans processing.