Job Family Card - Credit

Analyse the overall financial strength and repayment capability. Conduct research and prepares reports for both internal and external purposes. Compare credit information to the credit performance of consumers/businesses with similar profiles. Use a credit scoring system to award points for each factor that helps predict who is most likely to repay a debt. Responsible for authorizing credit exposure relating to traditional or complex financing activities. Analyse and review financial information pertinent to potential borrowers, where the organization is considering secured/unsecured lending. Implement the company's credit policy; credit policy decisions are made by the Risk Management Function.

Job Family Code

BCT

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Job Roles

Card Job Role Description

Job Role

Credit Administrator

Job Family Code

BCT

Job Family

Credit

Responsibilities

    Process client loan applications and review documents requirements as set in the credit policy to ensure completion.

    Assist in the financial analysis, credit operations and approval process including assistance in pre-closing loan documents checks.

    Assist in monitoring credit transactions against policies and reporting credit limit and line excess or violations.

    Use credit analysis software to enter client financial data and keep credit files updated.

Card Job Role Description

Job Role

Credit Specialist

Job Family Code

BCT

Job Family

Credit

Responsibilities

    Order and analyse reports and verifications required for the credit decision by coordinating with external parties such as credit bureaus and collateral valuation specialists.

    Develop statistical models to valuate clients’ credit data and financial statements or cash-flow analysis of businesses in order to determine the degree of risk involved, credit limits and recommend payment plans.

    Develop loan schedules according to client repayment capacity and explain loan terms to the client disclosing loan costs and financial risks.

    Prepare reports for the credit committee highlighting key risk factors and interpret analysis results into loan recommendation.

    Support collection and recovery function by analysing means for loan rescheduling and assessing related costs ensuring privileged recommendations on credit risk mitigation.

Card Job Role Description

Job Role

Credit Supervisor

Job Family Code

BCT

Job Family

Credit

Responsibilities

    Supervise the credit operations procedures and provide technical support to underwriters ensuring compliance to credit policies and organisation's classes of risks.

    Monitor loan performance reports and portfolio performance to ensure proper risk ratings and early detection of potential problems, keeping company credit exposures within set risk bearing limits.

    Assesses total risk pertaining to complex requests for new or additional credit lines and report results to management for approval/ denial.

    Contribute to setting the organisational risk criteria, credit lines and credit limits and terms of loan repayments.

    Review credit procedures and make procedural recommendations to update the credit policy and enhance the quality of loan application.

Card Job Role Description

Job Role

Credit Manager

Job Family Code

BCT

Job Family

Credit

Responsibilities

    Contribute to the development of the organisation credit and risk strategy and develop the credit policy.

    Oversee credit operations and manage the credit procedures according to organisation's policies and standards while ensuring compliance with regulatory requirements.

    Review credit reports and contribute to the credit committee providing technical support to the approval/ denial of loan applications.

    Monitor and assess credit operations performance, guide credit  team to improve accuracy and efficiency of the credit procedures.

Card Job Role Description

Job Role

Head of Credit

Job Family Code

BCT

Job Family

Credit

Responsibilities

    Contribute to the formulation of the overall organisation's strategy, in collaboration with others in the executive team, focusing on the organisation's credit function.

    Approve and ensure implementation of credit policies and procedures and ensure its efficiency.

    Manage credit and ensures its compliance to regulatory requirements as well as market standards.

    Manage and monitor credit budget for cost efficiency.

    Manage internal and external relationships and represent the organisation in all business matters related to credit operations.

    Approves credit reports as part of the credit committee by providing technical guidance.

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