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• On a daily basis call, issue arrears notices
  and follow-up on clients that have not settled their monthly obligations
  to improve portfolio quality and avoid losses to the Bank.
• Provide support the branches by responding to
  queries regarding loan account balances raised by customers for effective
  communication and customer service
• Quick responding to customer queries
  regarding the status of their accounts including reconciliations in case
  their accounts have irregularities.
• Discuss repayment plans with defaulting
  clients, recommend to BSMs accounts that can be restructured accordingly
  to enhance portfolio quality.
• Ensure client files are up to date with all
  communications, correspondences and file notes to ease the recovery
  procedure.
• Regularly check for security perfection for
  those accounts that are NPA or are showing signs of deterioration forward
  to legal to ensure a smooth and quick foreclosure process. If security is not
  perfected forward to Legal.
• Timely capturing of cash flows in the system
  for proper IFRS Reporting to minimize provisions and compliance
• Process release of securities for accounts
  that have been paid off and forward to BSM for no recommendation to
  maximize profit for the Bank
• Ensure quality of respective allotted
  portfolio.
• Personally manage a special portfolio of
  unique and complicated accounts that require more experienced management
  like deceased accounts, skip accounts, legal action, Supervisor review
  accounts (as referred by external agents), abandoned cases (if any), VIP
  accounts, repossessed vehicles and restructured accounts. 

• The applicant for the DFCU Bank Special
  Assets Manager – Credit Department career opportunity should hold a Bachelor’s
  degree in Economics, Statistics, Commerce, Business Administration or
  equivalent.
• A minimum of four years’ experience in a
  Financial Institution with at least 1 year in credit approval &
  structuring or credit administration or in debt recovery.
• Broad knowledge and understanding of the
  Bank’s Credit policies.
• Ability to work under minimum supervision.
• Excellent interpersonal, written and oral
  communication skills.
• Ability to negotiate.
• Broad understanding and knowledge of FIA/IFRS
  guidelines & regulations on asset quality.
• Basic understanding of the legal framework.
• High standards of performance and Control of
  Quality
• Leadership, management and team building
  skills (Initiative, decision making, dispute resolution, good customer
  service, very good negotiation skills).

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