JOB PURPOSE
o Overall management of unsecured loan credit underwriting for all branches in FFMCL.
o To manage and be accountable for the overall risk management including credit process, portfolio management, operational risk, fraud management of FFMCL and its operations.
o To comply with all credit policy and processes as stipulated by Financial Regulatory Department & FFMCL.
o As a Manager to identify and minimize risk for the organization.
o Perform responsibility as Environment and Social Risk Management Officer (ESRMO) to monitor and reporting of Environment and Social Risk issues as per E&S Policy.

KEY RESPONSIBILITIES
o Analysis/Approve/Recommend the credit proposal placed by FFMCL as per set lending guidelines, process and procedures
o Ensure compliance with internal policies, procedure and external regulatory requirements.
o Ensure of maintenance of turnaround time.
o Work closely with Head/Manager of Departments, to provide value added risk information to assist the business in achieving quality asset growth
o Manage & lead the credit underwriting team with keen focus
o Motivates and train team members to increase efficiency and excellence in performance
o Correspondence with FFMCL in audit related issues.
o Coordination with data verification team for ensures quality report and maintains turnaround time.
o Liaison with all branches in FFMCL for update credit history of client, information of industry & market of default borrower & other default related issues.
o Establish Coordination among all branches in FFMCL regarding default loan issues time to time.
o Assist Credit Checker & Risk Officers, in assessment of critical issues and credit risk of the new loan proposal submitted by all branches.
o To guidance all branches’ Credit about market, Industry/ sector, different credit related issues, police related issues and update Unsecured Loan Portfolio time to time.
o Provide guidance & coordinate training with relevant concern time to time for smooth operation as well as for quality asset growth
o Physically visit the business when required and routine visits as assigned by the Authority.
o Any other issues/assignments related to given by the authority
o Monitor error free daily database & keep loan proposal safely.
o Prepare Monthly Dashboard report to ARC.
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JOB SPECIFICAITON
ACADEMIC QUALIFICATION

• Bachelor’s degree with 3 to 5 years of credit experience in the Banking / Microfinance company with very good understanding of the operations of a Microfinance company, including counter transactions such as cash/vault, payments, clearing operations, reconciliation etc. Master Degree in Business is preferable but not mandatory.
• Good knowledge of loan products and its credit operation processes.
• Good knowledge of the regulatory compliance issues related to the operations of the company.

OTHER PERSONAL CHARACTERISTICS

• Able to drive and thrive in a performance-oriented environment.
• Must possess good general management capabilities
• A strong communicator with good written and presentation skills in English.
• Ability to work with external parties, e.g. government agencies, external vendors, financial institutions and banks to enhance the Company’s (new and existing) operational capabilities and efficiency with respect to credit and credit operations.
• A self-starter who is energetic, achievement oriented and an excellent team player
• Impeccable integrity