Credit Officer

• Acquisition of customer for potential financing in line with the business targets and risk appetite of the bank, including microfinance, SME and corporate.
  
• Ensuring that the customer needs are fully understood and matching solution/production is offered
  
• Ensuring the credit appraisal and collateral assessment is conducted in line with the bank’s policies and procedures
  
• Ensuring that all relevant evidences are obtained as required for appraisal of the customer
  
• Liaison with relevant external and internal departments to ensure that all supporting activities are completed such as evaluation of collateral, securing legal opinion and mortgages etc.
  
• Ensuring quality of credit to avoid delinquencies and issues in credit portfolio
  
• Ensuring close liaison with the Branch Manager to ensure all requirements are in place and duly discussed and vetted with the branch manager.
  
• Ensure continuous relationship with the customer
  
• Ensure continuous monitoring of the customer business performance and related market developments which can affect the customer business
  
• Ensure that all processing is compliant to the rulings or sharia
  
• Cross selling of other bank’s services to the customer
  
• Post disbursement follow up with the customer
  
• Any other assignment as given by the line manager.
  

Educational Qualifications:

• Bachelor's degree in Economics, Accounting, Finance, Business Administration & Islamic banking. (Master's degree holders will be preferred).
  
• Islamic knowledge and certificates (preferred)
  

Relevant Experience:

• At least 2 years’ experience in credit, customer relations, recovery and collection agencies, banks and financial institutions
  

Skills & Competences:

• Proficient in writing proposals
  
• Sound knowledge of accounting and financial statements
  
• Efficient time management.
  
• Good knowledge of Microsoft Office (Word, Excel, and Power point)
  
• People management.
  
• Financial analysis skills