Group / Department: Con Banking/Consumer Credit & Support
Job Purpose: Manage and direct a team of Managers and Assistant Managers responsible for the underwriting of loans and cards applications, portfolio acquisition due diligence in addition to the
administrative tasks and quality assurance roles. To be responsible for the business development aspects and assist in strategic initiatives. Deputize for the Executive Manager when required.
Accountabilities:
a) Credit Applications: Assist in the credit assessment and underwriting process and
deputize for the credit committee when required. Maintain the required approval ratio without affecting the book performance
b) Credit policy : Responsible for the review of the Bank’s credit approval policies and guidelines based on performance analyses and competitors offering. Reduce exceptions and set periodic objectives
c) Scorecard Performance: Assist in the periodical monitoring of the scorecard characteristics and cut off. Recommend changes if required.
d) Compliance: Comply with all policies, procedures and Central Bank rules and regulations, prevent CBK penalties. Coordinate with the CBK periodical audit review
e) Reporting: Prepare and provide reports on daily and monthly transactions, assessments and other statistical data
f) Portfolio Acquisition: Responsible for portfolio acquisition due diligence and compliance to the CBK rules and regulations
g) Process: Reduce the approval turnaround time and delay in processing, increase the customer satisfaction and services
Generic Accountabilities:
h) People Management: Effective leadership skills and continuously upgrade the competency of team members
i) Strategy & Planning: Manage strategic changes to the process and internal risk controls in relation with credit assessment and the related administrative tasks
j) Policies & Procedures: Ensure all Policies and Procedures are implemented and practiced by team
members
k) Corporate Governance: Comply with all risk, CBK and AML policies and procedures to minimize the error ratios and customer frauds; comply to Basel II framework for all Consumer Banking operations.
Communication and Working Relationships:
a) Subordinates
Direct : 4 to 5
Indirect : 10 to 15
b) Relationships
Internal: All departments within Consumer Banking, Risk Management, Compliance, Operations, Audit, IT and other function as per need basis
External : Consultants, CBK Auditors,
External and Internal Auditors,Cinet etc.
Job Dimensions:
a) Financial: Impact due to errors and non compliance
b) Other: Credit applications reviewed and TAT, minimize operational errors, process and controls improvements
Key Performance Indicators:
a) Quality of credit applications approved
b) Error free review process for credit worthiness of applicants
c) Relevance and timeliness of the analysis
d) Effective inter and Intra departmental coordination
e) Adherence to all operational procedures and instructions, Basel II & GB Risk Policies and CBK guidelines
f) AML compliance
Job Details
| Date Posted: | 2016-06-21 |
| Job Location: | Kuwait |
| Job Role: | Management |
| Company Industry: | Banking |
Preferred Candidate
| Career Level: | Management |
| Degree: | Bachelor's degree |
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