CITIZENS ECONOMIC EMPOWERMENT COMMISSION JOB DESCRIPTION Job Title Credit Control and Risk Officer (Micro Credit) Directorate Finance The Person The ideal candidate is expected to be of sober character, intelligent, a team player and able to work to achieve set goals Reporting Line Credit Control and Risk Manager Salary Scale CEE 4 Direct Subordinates Nil Location Lusaka Job Purpose Implementing the Commission’s credit and risk management function with a specialization in Micro Credit Loans Duties and Responsibilities • Provide support to the Credit Control and Risk Manager • Provide support in the evaluation of the Commission policies and procedures as they relate to enterprise risk management; • Propose loan conditions that contribute to project viability and sustainability; • Liaise with Financial Institutions contracted to undertake Credit Management services in submission of business plans and receipt of copies Term Sheets and Loan Agreements; • Review collateral documentation received from the Credit Managers and ensure the Certificates of Title are securely kept in the safe; • Ensure that funds for approved projects are sent to Credit Managers on time; • Ensure that the Commission receives reports specified in the Credit Management Agreement on time from Credit Managers; • Reconcile loan statements before release of title and closure of loan accounts; • Monitor and report on the compliance of Credit Managers with the Credit Management Agreement and guidelines; • Submit monthly reports to Credit Reference Bureau on time; • Prepare credit reports at product, Credit Manager and provincial levels; • Monitor all loans under management through Credit Managers and ensure 100% raiment rate is maintained; • Assist in the formulation, implementation and periodic review of the Credit Policy, Risk Policy, Credit Procedure Manual, Risk Procedure Manual and other guidelines under the Credit & Risk Department; • Assist in identifying, assessing, quantifying and mitigation risks to the Commission by developing a robust risk management system; • Assist in updating the risk register for the Commission; • Provide support in undertaking risk assessment on Project Finance/Micro Credit/Construction Finance Initiative projects. Qualifications and Skills • Grade Twelve (12) Certificate • Degree in Commerce, Economics, Finance, Banking or related field • Prior credit administration/risk knowledge an advantage • Must be a member of a Professional Institution • Excellent written and spoken communication skills • Good interpersonal skills and paying attention to details • Computer literate Experience • At least 5 years working experience in credit management in a bank or financial institution. Term of Employment Three (3) years Working Conditions • Personal computer • Telephone • Fax • Printer • Well ventilated office This Job Description is intended to describe the general nature and level of work to be performed. It is not intended to be construed as an exhaustive list of all responsibilities, tasks and skills required to perform this job. The job holder may be required to perform additional tasks and duties outside of this description if so required. I, the undersigned have read and understood the terms of this Job Description. Name……………………………… Signature………………………… Date………….……. (Job Holder) Name……………………………… Signature………………………… Date………….……. (Supervisor) Name……………………………… Signature………………………… Date………….……. (Head of Department)
Posted on: Tue, 10 Sep 2013 18:36:09 +0000
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