Credit Initiation Officer [Orange Money]

Job description

department

Internal Audit

Job Summary

Credit Initiation

Officer is responsible for managing all credit initiation (unsecured credit

requests, restructuring credit requests) activities and processes effectively

and efficiently, in alignment with the overall Company risk appetite framework.

The Credit Initiation Officer position will report to the Credit Initiation

Manager.

Primary Responsibilities

·  Analyze the

credit requests for individuals from risk perspective;
·  Make all the

necessary checks and corrections needed or request for supplementary documents,

if case, in order to take the appropriate decision, according to the policies

in place for the individuals credit requests analyzed at this level;
·  Draw the

financing proposal and present the documentation for individuals non-standard

credit requests that are to be submitted to Risk Policy Manager or Credit

Committee;
·  Ensure that

credit origination decisions are executed in line with the delegated authority

while adhering to the process standards;
·  Act quickly and

decisively when any risk and control weakness becomes apparent and ensures they

are addressed within an appropriate timeframe and escalated through the

relevant committees;
·  Make all the

required checks for the individuals' restructuring requests;
·  Manage turnaround

time within agreed KPIs;
·  Ensure

compliance with the highest standards of regulatory and business conduct and

compliance practices as defined by internal and external requirements;
·  Actively

involves in testing and implementing new informational applications or the

developments of the existing application that are in the Credit Initiation

Department area of expertise;
·  Carries out shop

advisory activities, if case;
·  Keep the

confidentiality over the information from the individual credit applications.

Required Skills

and Experience

·  Business Strategy and Model: good working knowledge

of credit initiation in retail business, at least two years of experience,

preferably in banking field (secured products is a plus).
·  Non-technical

Skills: strong written / oral communication and influencing skills. Ability to

create effective work relationships within and across functions & teams.
·  Risk Management

and Control: good working knowledge of credit processes and controls.
·  Regulatory

Framework and Requirements: strong awareness and understanding of the relevant

regulatory framework.

contract

Regular