Hello everyone, I need help with deciding my NOC please, Can anyone help look at my JD below and suggest a suitable one please? I am currently torn between 0122 and 6235. I am a retail credit analyst in a bank in Yaounde. 3 years 3 months. My confusion stems from the fact that 0122 seems to be for senior/middle level managers. I am not a manager yet. 6235 also seems to be from relationship managers, who forward their customers loan requests to me for review and approval recommendation. Please advise me.
· Analyze and approve retail credit requests and collateral on offer received from customers through the market facing units in line with the Bank’s approved Risk Assets Acceptance Criteria (RAAC)
· Identify and decline high risk retail credit transactions in the absence of adequate mitigants
· Determine repayment plans in accordance with regulatory debt service ratio (DSR)
· Advise the Payment & Collection desk on approved requests for disbursement
· Ensure processing and collection of fees for disbursed facilities from customers’ accounts
· Ensure that adequate and error-free credit documentation are provided and obtained, capturing all the approved terms and conditions and transaction dynamics.
· Conduct credit search on customers and generate search reports.
· Report on overdue or non-performing credit facilities.
· Manage the conveyance of all retail credit decisions to the business units to ensure proper information dissemination and swift response
· Manage and assist market facing business units in retail credit structuring for transactions and also provide advice and interpretations of the credit policy.
· Participate in various retail credit process transformation projects, credit product development and credit policy formulation sessions to ensure alignment with the Bank’s objectives and goals.
· Attend client engagement and business development meetings with the relationship management team to discuss retail credit transactions and provide expert insight to customers.
· Supervise and validate credit risk analysis conducted by junior analysts
· Conduct training for junior credit analysts on the Bank’s credit policies and procedures for credit risk review.
· Carry out confirmation of accompanying invoices on credit requests from issuing companies
· Ensure compliance of processed requests to the Bank’s credit policy and extant government policies and regulations as it relates to credit facilities.
· Provide periodic reports on the Bank’s risk assets portfolio to various executive committees and regulatory bodies.
· Design and manage the Bank’s online credit management system from user management, loan origination to disbursement in line with industry best standards.
· Manage the helpdesk for resolving user complaints on the credit management system
· Analyze and approve retail credit requests and collateral on offer received from customers through the market facing units in line with the Bank’s approved Risk Assets Acceptance Criteria (RAAC)
· Identify and decline high risk retail credit transactions in the absence of adequate mitigants
· Determine repayment plans in accordance with regulatory debt service ratio (DSR)
· Advise the Payment & Collection desk on approved requests for disbursement
· Ensure processing and collection of fees for disbursed facilities from customers’ accounts
· Ensure that adequate and error-free credit documentation are provided and obtained, capturing all the approved terms and conditions and transaction dynamics.
· Conduct credit search on customers and generate search reports.
· Report on overdue or non-performing credit facilities.
· Manage the conveyance of all retail credit decisions to the business units to ensure proper information dissemination and swift response
· Manage and assist market facing business units in retail credit structuring for transactions and also provide advice and interpretations of the credit policy.
· Participate in various retail credit process transformation projects, credit product development and credit policy formulation sessions to ensure alignment with the Bank’s objectives and goals.
· Attend client engagement and business development meetings with the relationship management team to discuss retail credit transactions and provide expert insight to customers.
· Supervise and validate credit risk analysis conducted by junior analysts
· Conduct training for junior credit analysts on the Bank’s credit policies and procedures for credit risk review.
· Carry out confirmation of accompanying invoices on credit requests from issuing companies
· Ensure compliance of processed requests to the Bank’s credit policy and extant government policies and regulations as it relates to credit facilities.
· Provide periodic reports on the Bank’s risk assets portfolio to various executive committees and regulatory bodies.
· Design and manage the Bank’s online credit management system from user management, loan origination to disbursement in line with industry best standards.
· Manage the helpdesk for resolving user complaints on the credit management system