Credit Administrator

Purpose of the Job: The Credit Administrator is responsible for managing and overseeing the credit granting process. This includes ensuring that the banks credit policies are effectively implemented and adhered to, performing credit assessments and reviews as well as managing the credit portfolio to minimize risk and maximize returns.

Critical Deliverables /Core Accountabilities and Responsibilities

• Ensure efficient implementation and compliance with Letshegos policies, procedures relating to credit risk and arrears management.
• Responsible for the NPA/ Refer Queue to assess customer applications and its credit worthiness
• Load over drafts onto the system after approval and manage the renewal / and or cancellation thereof
• Conduct Day 2 function to verify the correctness of debit order days and account details for loans disbursed the previous day. This includes but not limited to Individual loans, MTC device etc.

Knowledge and Skills Required of the Job Holder:

• Grade 12 certificate with a minimum of 25 points and above.
• A degree in Finance / Business Administration /Economics or similar will be an advantage (optional)
• At least 3 years experience in Credit within Banking or Financial Services
• Understanding of credit risk strategies to maximise benefit from opportunities that arise to give some input to upside benefits to the business.
• Ability to analyze and monitor country credit risks that face the business.
• Ability to devise solutions relevant to a particular situation considering the specific circumstances, country laws and norms
• Quality Assurance of all loan portfolios
• Detail-oriented with exceptional organizational skills.