Department: Risk Management<\/p>\n
Reporting Line: Team Lead, Risk Management<\/p>\n
Location: Head Office <\/p>\n
Job Objectives<\/p>\n
Responsible for the Credit and loan documentation review process and ensuring that all approved income\/fees due to the bank are stated in the disbursement documents<\/p>\n
Role & Responsibilities<\/p>\n
Ensure that credit approvals and collateral documents meet conditions.
\nEnsure that credit approvals and collateral documents meet conditions.
\nEnsure that conditions for credits are offered to customers as approved.
\nEnsure that terms of conditions of credits are conveyed as approved
\nEnsure that Bonds & Guarantee are issued in accordance with approved terms and conditions
\nEnsure that all reviewed collateral documents are lodged for filing
\nEnsure that all necessary reports are rendered as and when due or required
\nEnsure that all Irrevocable Standing Payment Orders are issued in accordance with approved terms and conditions.
\nEnsure that credit approvals and collateral documents meet conditions: (Time Spent 30%)
\nReview all credit approvals to ensure that they are in line with the credit policy and regulatory provisions.
\nIdentify the approved collateral and securities and ensure that all collateral documents meet the approved conditions and that they are in place before authorizing availment of all facilities and guarantees issuance.
\nEnsure that all approved pre-disbursement conditions are in place before availment of facilities .
\nLiaise with the Business offices and Credit Admin to ensure that satisfactory CRMS report is in place before availment of facilities.<\/p>\n
Ensure that good credit bureau reports are in place before availment of facilities
\nAdvise management in dealing with credits with unsatisfactory credit reports.
\nAdvise management on the appropriate steps to deal with improperly approved facilities and deficient documentation.
\nPrepare and sign off on Credit Availment Tickets.
\nEnsure that conditions for credits are offered to customers as approved: (Time spent 15%)
\nIssuance of offer letters to customers in line with approved terms and Conditions of the facilities.
\nEnsure that terms and conditions of credits are offered to customers as approved: (Time spent 20%)
\nReview of Credit Approval Communication to convey the terms and conditions of credit approval
\nEnsure that Bonds & Guarantees are issued in accordance with approved terms and conditions: (Time spent 20%)
\nReview all requests for bonds and guarantees to ensure they are in line with approved terms and conditions.
\nIssuance of bonds and guarantees in line with approved terms and conditions.
\nConfirmation of bonds and guarantees issued to beneficiaries.
\nEnsure that all approved income and fees on bonds and guarantees issuance are taken.
\nRendition of management reports and registration of collateral documents: (Time spent 5%)
\nRendering reports to Management as and when required on approved credits.
\nRendering reports on availed facilities.
\nEnsure that all reviewed collateral documents are lodged for filing: (Time spent 5%)
\nEnsure that all disbursement and collateral documents from the business offices are received for filing.
\nEnsure that all credit and collateral documents are lodged with the Archives after availment for proper custody and safety.
\nEnsure the maintenance of filing systems, both electronic and hard copy.
\nEnsure that Irrevocable Standing Payment Orders (ISPO) are issued in accordance with approved terms and condition:
\nReview all request for ISPOs issuance to ensure it is in line with approved terms and conditions.
\nIssuance of ISPOs in line with approved terms and conditions.
\nConfirmation of ISPOs issued to beneficiaries.
\nEnsure that all approved income and fees on ISPO issuance are taken.<\/p>\n
Key Performance Indicator<\/p>\n
Responsiveness to availment requests within 24 hours of receipt of complete documentation.
\nEffectiveness at ensuring that approved credits are availed only when conditions precedent to drawdown have been satisfied or appropriate deferrals\/waivers obtained.
\nTimeliness in generating report as at when due.
\nVolume of internal customer complaint<\/p>\n
EDUCATION REQUIREMENTS
\nEducation- Minimum of bachelor\u2019s degree in Law (for documentation review) or Accountancy\/Business Studies\/Administration and related courses(for CACOM issuance).
\nEXPERIENCE
\nExperience \u2013 Minimum of 0-3 years banking or minimum of 1-4 years non-banking but related experience.
\nKey Competencies:<\/p>\n
Knowledge
\nBasic knowledge of regulatory and statutory requirements for availment of credits<\/p>\n
Skills\/Competencies\/Aptitudes
\nGood analytical skill.
\nGood writing skill.
\nGood presentation skill.
\nGood drafting Skill.
\nBroad IT skill.
\nApplication submission<\/p>\n
Candidates should send their resume and motivation letter to hcmrecruitcameroon@ubagroup.com, with the heading \u201cCredit Control Team Member\u201d by August 25, 2025 Before Close of Business<\/p>\n
HOW TO APPLY :<\/p>\n
All applications must be submitted ONLINE at : https:\/\/www.ubacameroon.com\/careers\/<\/p>\n
DEADLINE : August 25, 2025<\/p>\n","protected":false},"excerpt":{"rendered":"
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