Head Of Credits

A reputable rural bank in the central region is seeking to recruit Head Of Credits

Job Type: Full Time 

Job Location: Central Region 

Minimum Qualification: 1st Degree 

Required Experience: Minimum of 5 years 

The successful applicant must:

• Be accountable for the entire credit granting process, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the credit worthiness of potential customers, with the goal of optimising the mix of company sales and bad debt losses.
  
• Be responsible for continual process improvements and cost effective delivery of services.
  
• Oversee the collection activity, will build and maintain cross functional relationships throughout the institution and ensure compliance with the company's policies procedures and controls.
  
• Be responsible for supervising, training, and mentoring a team of Credit and Field Sales Executives.
  
• Build and maintains customer relationships
  
• Establish goals and objectives for Credit and Collection functions
  
• Measure department performance with appropriate metrics
  
• Oversee periodic credit reviews to ensure credit terms are in line with customer's credit worthiness, payment and write-off history with Company and financial condition
  
• Negotiate collection arrangements for overdue account balances in coordination with collection function