Retail Credit Officer

il y a 3 semaines


Tunis, Tunis, Tunisie BANK ABC Temps plein

Bank ABC is reinforcing its Credit Management Department with the recruitment of a Retail Credit Officer.

The Retail Credit Officer will be working closely with the Head of Retail Credit and liaising with Head of Retail, Head of Branches, BranchManagers, Credit Admin and Operations and Legal counsels in order to minimize the risk & conduct credit checks.

1- Principal Responsibilities & Accountabilities:

  • Retailfiles assessment and approvals.
  • Ensurefull adherence to Group Retail Credit Policy, CBT regulation, and ProductPrograms' terms and conditions.
  • Maintainan accurate retail data base for: approvals, declines, pending files,deviations, corporate offers, approved TMLs.
  • Sticking to pre-agreed processing time of loanapplications part of SLA with HRDB.
  • Processretail CAFs (outside of Product programs).
  • Assistingthe Retail Credit Risk Management Unit in providing statistical information andearly warning signals.
  • Ensurethe classification and archiving of retail files.
  • Respect of delays in approval andenhancement of the turn-around times (per SLA with Business Heads).
  • Enhancement of retail CAFs:application outside Product Programs.
  • Respect of current procedures &Full compliance with Unit & Group Retail Credit Policy and Standards.
  • Improvement of synergy andcooperation within the Business Unit.
  • Help Local ORM Department toorganize and facilitate the implementation and proper functioning of the ABCframework for the management of operational risks applicable to Retail Creditand Risk.
  • Maintain full independence whenproviding credit decisions.
  • Liaise with local Retail Credit RiskUnit on an ongoing basis.
  • Detect any warning signals due todeteriorating market conditions and recommend corrective actions to seniorManagement in Business and Risk.

2- Education & Experience:

  • Bachelor's or a Master's degree or equivalent in Business / Finance or any relevant field.
  • Minimum3 years of relevant Banking experience in Retail Banking or Retail Credit &Risk.

3- Personal Attributes & Soft-skills:

  • Time &Priorities Management.
  • Organized.
  • Team player.
  • Discretion & confidentiality.

4- Knowledge:

  • Goodknowledge of some financial ratios, market practices, competition (peer banks),legal and administrative aspects.
  • Fullunderstanding of Group Retail Credit Policy and Standards and local regulatoryenvironment.
  • Advanced analytical skills.
  • Attention to details.
  • Expert knowledge in commercial law for matters related to securities, collaterals and insurance.
  • Good level of English,French and Arabic.


Bank ABC is an equal opportunity employer and qualified women are strongly encouraged to apply.



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