A deep understanding of loan processes, credit products, repayment structures, documentation, and collateral/insurance management. The ideal candidate must possess strong analytical skills and experience in credit risk management to ensure the bank's assets are protected.

1. Loan Lifecycle Monitoring

• Extract loan reports from the Core Banking System (CBS).

• Notify relevant Business Units and branches regarding upcoming loan maturity dates according to the set schedule.

• Monitor and verify that loan renewals and changes to repayment plans are accurately updated in the CBS.

2. Data Integrity & Compliance

• Audit the CBS to ensure that Credit Committee approvals (amount, tenor, interest rates, and terms) are entered correctly.

• Monitor the fulfillment of all "Conditions Precedent" and loan covenants.

3. Collateral & Documentation Management

• Verify the accuracy of collateral data in the CBS.

• Coordinate with Business Units and branches to ensure all necessary security documents are complete and properly uploaded.

4. Insurance Oversight

• Ensure that insurance information for collateral (Fire, Motor, Comprehensive) is accurately recorded.

• Issue reminders for insurance renewals and manage the renewal process where necessary.

5. Repayment & Collection Support

• Manage the automated SMS reminder system to notify customers of upcoming principal and interest payments.

• Monitor Loan to Value (LTV) ratios to ensure they do not exceed policy limits.

• Identify "Shortfalls" and coordinate with branches to rectify collateral deficiencies.

• Track past-due accounts and ensure that Bank Notices and Legal Notices are issued by branches in a timely manner.

6. Stakeholder Coordination

• Act as a liaison between branches and insurance companies regarding policy status and renewals.

• Perform other duties as assigned by the department.

• Bachelor’s degree in any major (Degree in Economics, Finance, or Business is preferred).

•  Minimum of (2) years of relevant experience. Preference will be given to candidates with banking experience or internal applicants with a background in credit.

•  Proficiency in Core Banking Systems (CBS) and Microsoft Office Suite (Excel, Word, PowerPoint, Outlook). Strong typing skills are required.

• Ability to analyze loan data and financial reports. Must be a proactive problem-solver.

• Honest, meticulous, and capable of meeting strict deadlines.

• Excellent interpersonal skills with the ability to collaborate effectively with Business Units, branches, and team members.