Senior Front End Developer

• Analyzing/profiling delinquent accounts with aim of determining the minimum acceptable amount for negotiation with customers
  
• Liaise with the Business unit and develop a strategy for recovery such as restructuring, rescheduling/work out
  
• Arranging meetings with debtors towards fashioning an acceptable repayment plan between debtor-customer and Bank.
  
• Based on customer request, prepare a proposal to management for interest waiver or concession in accordance with the board approval grid
  
• Communicate management decision to customer and follow up with telephone and personal visit to ensure the approved concessionary sum are paid within the time frame
  
• Periodical review of already approved settlements to ensure they perform according to approval
  
• Ensure residual balances are written off after the debtor-customer has paid the approved concessionary sum within the time frame, issue of non-indebtedness letter, and update the customers status on the credit Bureau
  
• Assign accounts to external agents, monitor their performance and manage their relationship with our customers and pay their commission on recovery according to approved guidelines.;
  
• Compilation of information on delinquent accounts for discussion at credit review;
  
• Liaise with appropriate external bodies including law enforcement agencies and EFCC for effective and timely recovery of the debt;
  
• To recover non-performing loans and help maintain a comfortable NPL ratio for the Bank.
  
• Allocation/Assigning accounts to collection agents/auctioneers
  
• Processing Debtors request for interest waiver, reinstatement of lapsed concession, and extension of the validity period of lapsed concession to the management.
  
• Convey management approval to branches for implementation and obtain from branches that decisions have been implemented.
  
• Confirmation on the Banks standard form for the release of title documents that payment has been made in accordance with management approval and then pass on to the RM & C Department.
  
• Compliment Relationship Managers efforts in the recovery of any delinquent account referred to us by the work-out unit of the Risk Management Department.
  
• Liaising with Credit Portfolio management for the write-off of residual balance in line with management approval.
  

Requirements

• Minimum academic qualification of a First degree in any discipline from a reputable academic institution
  
• 5 years of work experience
  
• Credit appraisal
  
• Interpersonal relationship
  
• Excel proficiency- intermediate
  
• Basic law guiding foreclosure/liquidation of securitized assets
  
• Awareness of Local and Global Business Trends
  
• Knowledge of Basic Credit Analysis procedures
  
• Knowledge of Prudential Guidelines and other related regulations
  
• Knowledge of Law Enforcement Procedures
  
• Relating to bad credits
  
• Basic knowledge of contractual implications.
  
• Credit analytical skills
  
• Good listening/negotiating skills; Analysing customer accounts
  
• To determine steps towards the realization of pledged securities
  
• Understand customers business and profer remedial solution
  
• Ability to negotiate and persuade
  
• Account analysis and computation
  
• Microsoft Word, Excel, and PowerPoint competencies.
  
• Good investigation and surveillance skills
  
• Contacts and knowledge of the property market
  
• Confidentiality and information management
  
• Excellent communication skills (oral and written)
  
• Excellent level of attention to details
  
• Ability to work effectively in team environment