Retail Credit Quality Assurance Officer at HF Group

Overall Job Purpose

• The Retail Credit Quality Assurance Officer will perform call back verification and perform a gating function for quality of applications from branches.
• Further, the role holder will oversee fulfilment at both the valuation and conveyancing stages of secured scheme applications customer journey
• He/she will oversee the handshake process of applications between business assurance and scheme administration

Principle Accountabilities

• Perform call back verification for loan applications and statements.
• Custodian of call back tools like scheme contacts, signatory sample signatures and the phone system.
• Perform a gating function for quality of applications from branches. He/she will check KYC compliance, completeness of financial information provided and proper execution of forms.
• Monitor fulfillment at both Valuation and conveyancing stages of secured applications process. He/she will ensure that fulfillment takes the shortest time possible
• He/she will ensure that applications have been properly on boarded in the system and invoices submitted to the employers.
• Provide MIS on quality of applications through analysis, reports and updates for decision making by business.
• Follow up for timely receipt of loan repayment instalments and application of the same on time.
• Escalate cases of non-payment / default to the client scheme administrator and debt collection team.
• Full reconciliation of loan repayments, loan balances and related deposits (where applicable) with any variances raised with the Schemes on a monthly basis
• Issuance of stop orders of the cleared loans to companies.
• Manage customer issues, queries and complaints as well as deliver high quality service.
• Any other duties as maybe assigned by the line manager

Minimum Qualifications, Knowledge and Experience

• Bachelor's degree in business or finance related subjects from a recognized university.
• 3-5 years banking experience 2 of which must have been in loans administration.
• Knowledge of Credit and Operations.
• Computer /IT skills, including knowledge of Microsoft office applications e.g. Word; Excel; PowerPoint etc.
• General knowledge in banking processes.

Key Competencies and Skills

• Excellent written and oral communication skills.
• Excellent interpersonal skills with the ability to effectively work with individuals and groups at all organization levels; ability to work independently and as part of a team.
• Excellent customer service skills with the ability to respond to inquiries or complaints effectively and timely.
• Ability to take initiative and prioritize tasks; good time-management, organization, problem-prevention and problem-solving skills.
• Basic analytical ability with active listening skills.
• Ability to work accurately with close attention to detail; must have eye for details, strong ability to scrutinize and examine.
• Ability to maintain confidentiality of sensitive information.
• Willingness to adapt to changing business needs and deadlines.