Manager- Credit Administration and Compliance at NCBA Group

Job Purpose Statement

Ensuring that high-level standards of operations, controls, audit and compliance within the Credit Administration and Compliance unit are adhered to and close monitoring of the credit facilities held to ensure proactive reviews and corrections are undertaken to safeguard the bank against any revenue losses or regulatory breaches. 

Key Accountabilities (Duties and Responsibilities) Perspective % weighting (to add up to 100%)  Output

 Internal business processes (85) 

• Spearheading all system related changes/updates relating to AA credit facilities and ensuring the updates are thoroughly tested and confirmed to be working as expected and successfully deployed in the core banking system.
• Ensure all the Credit Admin and Compliance internal suspense accounts are reviewed and reconciled within the defined TAT and monthly status reports sent to the recon team by 8th of every month.
• Oversee and ensure all CRB processes e.g. CRB daily & monthly submissions, delisting, listing, clean-ups and post submission reviews are undertaken without fail whilst ensuring no lapses or complaints.
• Ensure timely submission of data to CRBs as well as conducting quality assurance checks on the daily and monthly CRB submissions to ensure completeness and accuracy of data in accordance with the Credit Reference Bureau Regulations.
• Further, ensure 100% data clean-up of CRB error logs is undertaken on an ongoing basis.
• Ensuring the below reports are sent as scheduled with accurate data;
  • Weekly booked facilities reports highlighting exceptions on Duplicated loans, Erroneous interest rates, Available commitment, Bloated last instalments, missing collateral details are shared with the processing and securities team for review and corrections. A final monthly report is done to confirm all exceptions raised were closed.
  • Monthly and quarterly reports and analysis of the facilities booked at credit operations by 5th of each month.
  • Weekly review of all expired OD limits and confirming the detachment of the limit and ADI from the account.
  • Weekly review of IBPS bookings against what sits in T24 to ensure correct data capture was done.
  • Ensuring timely submission of the monthly productivity reports by 5th of each month.
  • Monthly review of all commercialised ex staff loans and facilities for deceased customers to confirm all parameters have been amended accordingly.
  • Monthly report on the insurance status of all secured credit facilities.
  • Weekly update on the status of work pending with the valuers.
  • Oversee the preparation and submission of the quarterly SLA report for valuers.
• Ensure that insurances for all bank assets are received and updated in T24 and for non-compliant customers, the insurance premiums are collected through forced debits.
• Ensuring mortgage certificates are shared as per instructions received.
• Coordinating the departmental snap check process.
• Ensuring audit confirmations are prepared as per instructions received.
• Review and advice Business on Take-Ons due for closure and follow up proactively monthly by 2nd week.
• In charge of weekly reconciling of the Insurance premium holding accounts and ensuring timely submissions of CGI Declarations to Bancassurance.
• Implement interest rate changes in T24 and perform post implementation validations and analysis.
• Ensure that all compliance documents pertaining to customer loans and securities i.e. valuation reports, CR12, TCC, Annual Returns, Licences and Permits, Land Rent and Rates are held and updated in T24 and all deferrals have the necessary approvals.
• Ensuring that there is proactive management of all system delinquencies relating to loan accounts by identifying and resolving/escalating them through ICT and the T24 vendor within the shortest time.
• In charge of reviewing and analysing products requests from business teams and having successful tests done before implementation in the live systems.
• In charge of ensuring the review, calculation and reconciliation of all OD/loan related transactions so as to provide clarity when requested by Business/Clients/ Auditors.
• Maintain high level standards in customer service through customer confidentiality being upheld at all times and adhering to the prescribed customer SLAs to eliminate customer complaints
• Support the team to achieve a departmental audit rating of satisfactory

Finance (5%)

• Nil operational losses as a result of errors and omissions
• Nil revenue leakage on unpaid DD charges
• Nil revenue leakage in interest income due to errors in the deployment of rate changes in T24.

Customer (5%)

• Managing all customer complaints and queries by resolving or escalating all delinquencies on facilities arising from internal errors or system failures.
• Maintain high-level standards in customer service through; customer confidentiality being upheld at all times and adhering to the prescribed customer SLAs to eliminate customer complaints.
• Ensure Department customer satisfaction index of above 70% with nil issues noted about self.
• Ensure call abandon rate of self and team is <10%.
• Ensure all NCBA core values are upheld at all times.

Learning and growth (5%) 

• To learn as much as possible from other members of the department to ensure proper service delivery
• Assist team members to succeed in their endeavors by suggesting, facilitating and monitoring personal career development initiatives.
• Ensure that self and the team achieve at least 50 hours of learning/training through E-learning, Internal & External training activities.
• Ensure compliance with the leave policy on block leave and minimum carry-over of 5days for self and team.

Job Dimensions

• Reporting Relationships: jobs that report to this position directly and indirectly
• Direct Reports           3
• Indirect Reports        0

Stakeholder Management: key stakeholders that the position holder will need to liaise/work with to be successful in this role.

Internal

• All departments

External

• System vendors

Ideal Job Specifications

• Academic:  Bachelor’s Degree
• Professional: Professional Banking Qualification (ACIB)
• Desired work experience:  7-8 Years

NCBA Bank Core Value Behaviors (Performance Drivers)

• Responsive
• Driven
• Open
• Trusted

Ideal Job competencies

Technical Competencies

• Thorough understanding in the T24 Arrangement Architecture (AA) module with proven expertise in AA Lending and Accounts.
•  Advanced excel skills for data analysis and reporting.

Behavioral Competencies

• Ability to work at extreme conditions: Be able to work under extreme pressures and sometimes at extreme times given minimal supervision and compensation for the same.
• Personal Ethics: Must be honest, fair and just with self and others, and demonstrates integrity in work and business contacts.
• Communication Skills: Excellent written and verbal communication skills and presentation skills.
• Interpersonal Skills: Must be able to co-work with people of various temperaments without becoming negatively emotionally involved.
• Proactive: Must be pro-active and able to initiate new methods of making work easier.