Principle Accountabilities

Credit Origination and Appraisal

• Receive and review Asset Finance and IPF credit applications from business teams across all customer segments.
• Conduct comprehensive financial and risk analysis, including cash flow assessment, repayment capacity, and collateral adequacy.
• Verify supporting documentation such as supplier invoices, insurance schedules, valuations, and other securities.
• Prepare detailed credit proposals and recommendations in line with approved product programs and credit policy.
• Ensure all applications meet documentation, eligibility, and policy standards before submission for approval.

 Processing of Insurance Premium Financing (IPF) Applications

• Review and validate IPF requests to confirm customer eligibility, policy coverage, and premium details.
• Liaise with insurers and intermediaries to confirm policy authenticity and ensure proper assignment to the Bank.
• Calculate loan amounts, tenors, and repayment structures in line with IPF product parameters.
• Ensure accurate setup of IPF facilities and prompt disbursement to insurers within agreed turnaround times.
• Track policy expiries and repayments to mitigate default and ensure compliance with Bank and insurance regulations.

Risk Assessment and Deal Structuring

• Identify and evaluate key credit risks in each proposal, recommending appropriate mitigants.
• Support structuring of both asset finance and IPF facilities to align customer needs with credit risk appetite.
• Ensure fulfillment of all pre-disbursement conditions and proper documentation prior to release of facilities.

Process Management and Coordination

• Liaise closely with Relationship Managers, Credit Administration, Legal, and Operations to ensure smooth end-to-end processing.
• Monitor workflow and maintain adherence to Service Level Agreements (SLAs) for all credit requests.
• Maintain updated and accurate credit files and audit trails for all processed facilities.

Portfolio Monitoring and Reporting

• Support monitoring of asset finance and IPF portfolios to identify early warning indicators.
• Participate in periodic portfolio reviews and provide data-driven insights on performance and emerging risks.
• Prepare periodic reports on pipeline volumes, turnaround time, approval ratios, and portfolio quality.

Compliance and Governance

• Ensure full compliance with internal credit policies, operational procedures, and regulatory guidelines.
• Support audit and compliance reviews by providing timely and accurate documentation.
• Maintain confidentiality, data integrity, and adherence to ethical credit practices.

Key Competencies and Skills

• Strong analytical and financial interpretation skills.
• In-depth understanding of credit and risk management principles.
• Working knowledge of asset finance and IPF workflows, including documentation and security perfection.
• Excellent communication, coordination, and stakeholder management skills.
• High attention to detail, accuracy, and timeliness.
• Ability to work under pressure and meet deadlines in a fast-paced environment.

Behavioral Attributes

• Integrity, professionalism, and accountability.
• Customer-focused and commercially aware.
• Strong teamwork and collaboration orientation.
• Proactive, disciplined, and results-driven.
• Continuous learning and adaptability.

Minimum Qualifications, Knowledge and Experience

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.
• Professional certification in Credit Management, CPA, ACCA, or CFA is an added advantage.
• Minimum of 2–4 years’ experience in credit analysis, lending, asset finance, or IPF within a financial institution.
• Understanding of asset-based lending, insurance financing processes, and credit risk evaluation across customer segments.