Assistant Relationship Manager - Housing
Reporting to: General Manager
The job holder will spearhead the growth and quality loan portfolio of housing microfinance products by ensuring appraisal of all credit facilities for risk identification and management, administration of the Lending Policy and the production of management reports.
Key Accountabilities
- Manage the credit appraisal process and participate in the approval within the delegated limits
- Active participation in the improvement of the credit process and its effectiveness
- Review and appraise credit applications to ensure compliance with policies and procedures
- Provide support to the Business Development Team in development of risk related products
- Ensure the preparation of loan approval documentation and management reports for decision making.
- Provide leadership and direction to the Credit Team
- Own the housing microfinance products and support the business development team towards meeting the set targets through accurate robust processing of housing Finance mortgage applications.
- Be responsible for maintaining Mortgage Finance Loan records for cases presented for approval
- Adhere to the DTM’s service standards and deliver world-class customer service to internal and external customers
- Analysis of the various applications and constituting the lending committee.
- Follow up with the lawyers in term of registration and charging
- Ensure the Mortgage Loan application process is adhered to and all the requisite documents are attached
- Be aware of the Credit Policy and do a ‘diligence’ check, vet the applications and forward/submit only those that merit consideration
- Ensuring all lending covenants are incorporated in the respective facility letters
- Evaluating the quality of loans, assigning risk-ratings and ensuring compliance
Minimum requirements:
- Must have a university degree in a relevant field with CPA (K). AKIB/ACIB would be an added advantage
- At least 5 years experience in general banking or in a financial institution; 2 of which are in a lending function
- High data rationality, detail consciousness with high analytical and numerical skills
- Ability to interpret financial and legal documents
- Excellent Computer skills
- A good knowledge of the Banking Act
- A good knowledge of the mortgage market.
All applicants must apply online to the email hr@rafiki.co.ke closing date is 1st March 2013.
Canvassing will automatically disqualify the candidate.
Only shortlisted candidates will be contacted. “We are an equal opportunity employer”.
