Job Summary
The credit officer ensures that credit appraisals and documentations are properly done by authenticating documentation presented for all credit (Invoice Discounting Facility (IDF)) applications and ensure they meet the KYC requirements and any other requirements as required by Alpha Mead Capital and the Bank.
He / she will be responsible for the origination of contractors to be on-boarded unto the Invoice Discounting Facility program.
Responsibilities
Meet with applicants to obtain information for loan applications and to answer questions about the process
Submit applications to bank for verification and account opening recommendation
Authenticate documentation presented for all IDF applications and ensure they meet the KYC requirements and any other requirements as required by Shell, Alpha Mead and by the bank
Ensure compliance with Client’s Contract Policy, Procedures and service level agreements.
Appraisal of contractors’ IDF applications and make recommendations
Ensure all applicants are advised on outcome of applications within reasonable time
Manage portfolio under him/her to ensure good performance
Act as the intermediary between the Alpha Mead and the bank on the IDF program
Proactively manage risk /exposure for assigned portfolio continuously
Assist in the grading and classification of IDF accounts
Manage contractors and stakeholders relations in accordance with agreed Service Level Agreements.
Work with our AMF colleagues to determine applicants’ financial status, credit, and work completion certificates evaluations to determine feasibility of granting IDF
Constantly review and update IDF files and agreements to ensure that they are complete and accurate according to policy
Prepares spread sheets, ad-hoc and regular reports, summaries and opinions on the IDF project
Compute payment schedules and constantly present dashboard / status report to the MD
Handle customer complaints and take appropriate action to resolve them
Market the IDF product and services to increase volume of contractors that subscribe to the facility
Maintains the privacy of customer information and the security of all records
Adheres to organizational policies and procedures
Understands and adheres to the responsibilities associated with Shell and Alpha Mead family in relation to job performed
Maintain extensive contact with customers, the public and the community, conducting relationships that will enhance the overall marketing effort Alpha Mead Group
Conduct any other duties assigned by the Supervisor.
Requirements and Qualifications
B.Sc/BA in Economics, Finance, Accounting, Business Administration or similar field; graduate degree is a plus
Minimum of 5 years relevant experience in the banking and finance environment
Knowledge of credit risk, loan administration, financial management, credit risk department of a bank or financial institution that is a credit provider. Experience in FI Credit Analysis and/or in small and medium business credit analysis is an added advantage
Good financial analysis skills
Experience in loan management tools and platforms
Ability to compile and report results of activities
Experience in business development and portfolio management will be a plus
Skill Set and Profile:
Ability to work independently and in a team environment, with limited supervision, and be a self-starter
An understanding of financial management principles and techniques
Excellent communication (written and oral) and organizational skills
Strong work ethic and professionalism, initiative, flexibility and innovation;
The ability to research, analyze and evaluate;
The ability to work under pressure, meet deadlines and multi-task in a fast paced environment;
Ability to react to stressful situations with professionalism while remaining calm
Must be tolerant of all personality types of clients, customers, employees, vendors and others
Conduct work relationships/interactions professionally with customers, supervisors, coworkers and others
Maintain high levels of confidentiality
Conduct conversations in a professional manner
Presentational skills with an appreciation of the demands of conflicting interests and of meeting statutory requirements
Strong numerical ability and quantitative skills;
Self-confidence, determined, motivated with drive and tenacity;
Ability to work effectively in a team;
Interest in current affairs and an appreciation of their impact on the market
Report writing and IT skills(MSOffice)
Applicants should send their applications and CV’s to: recruitment@amfacilities.com
Apply via :
recruitment@amfacilities.com
