Saheed Badmus

• Develop and obtain approvals for all credit related policies, product papers, approval limits and related requirements for the proper working of a credit risk management unit • Review and provide feedback about the completed loan application form on any missing or unclear documents in the application thereby ensuring all required supportive documents for the credit analysis have been submitted • Conduct credit evaluation/ analysis for individual, retail and MSME clients and make appropriate recommendation in line with credit policy • Ensure proposed facility are structured appropriately in line with Shariah, transaction dynamics, repayment structure and customer’s cashflow. • Ensure compliance to target market, risk acceptance criteria and overall Credit policy • Conduct Risk Rating and Credit scoring for all loan request • Conduct financial and non-financial business analysis on proposed request and interpret generated financial ratios/ performance indicators • Review of Credit portfolio for sustained quality, performance and compliance with approved terms and conditions as well as Credit policy • Recommend credit for final approval, follow-up with the required authorizers to ensure request are approved timely and communicate approval to market facing units • Ensure that all pre-disbursement conditions are met • Ensure that limits are monitored; maturing repayments and all receivables on accounts are collected • Identification of credit related early warning signals and flagging likely problems before they crystallize e.t.c