Portfolio Management Officer

The PMO shall be responsible for the management of loans in the Branch Portfolio. They are fully responsible for the Branch portfolio quality as follows;

• The Branch portfolio, must ensure punctual repayments by monitoring loans assigned to him, as well as through contacting and visiting clients
• In case of late payments, the PMO must take immediate measures, including contacting client and guarantors, on-site visits and assisting in any legal procedures until full repayment of the loan
• The PMO implements recovery measures as assigned by the respective Supervisor
• The PMO participates in the recovery committee and makes relevant proposals that ensure the recovery of the loan. His/her participation is active, critical and conscientious
• All necessary credit forms must be filled in by the PMO when a decision has been taken during the recovery committee
• The PMO is responsible for both pre and post loan disbursement, verifying information provided by the Business Officer to ensure high quality of the loan portfolio and decision making
• The Portfolio Management Officer will conduct his/her work in compliance with applicable standards and Ethics. In addition, he/she will conform with the Bank’s internal procedures and policies
• The PMO must demonstrate a comprehensive knowledge of the Bank’s credit cycle, procedures and credit regulations, especially with respect to recovery
• In-depth knowledge of credit products
• Demonstrates awareness of their importance and complies 100% with them without any support of superiors; 99% accuracy in fulfilling the tasks

In executing his/her duties the PMO will ensure that he/she delivers a high-quality service to the clients by;

• Providing a professional and friendly service to all clients
• Understanding customer needs and work with supervisor to develop plans to address them
• Proactively following up on all client transactions performed to ensure completeness
• Attending to, resolving customer’s queries, and providing prompt feedback
• Acting as a liaison between clients and branch management; escalating client queries to supervisors and explaining supervisor’s feedback to clients

Minimum Qualifications

• Minimum diploma in any business course or equivalent
• Sound knowledge of general banking law and practices
• Strong interpersonal and communication skills
• Prior experience in Banking will be an added advantage