QSSU Senior Officer Corporate Recoveries

Job Purpose:

To support the Manager Corporate Recoveries in managing and executing the recovery of non-performing and distressed loan accounts across the Banks portfolio. The role involves conducting borrower assessments recommending recovery strategies coordinating with internal and external stakeholders and monitoring implementation of restructuring or legal enforcement actions to maximize recoveries and minimize credit losses.

Key Responsibilities and Job Dimensions

Key Responsibilities

Recovery Case Management Manage a portfolio of non-performing or underperforming accounts under the guidance of the Manager Corporate Recoveries.

Perform loan file reviews financial and legal due diligence and collateral assessments.

Prepare and recommend customized recovery or restructuring strategies for approval.

Restructuring and Workout Support

Assist in negotiating revised repayment plans restructuring proposals or debt settlements with borrowers.

Monitor adherence to approved restructuring terms and trigger corrective actions in case of default.

Maintain detailed records of restructuring arrangements collateral valuations and client correspondence.

Legal and Enforcement Coordination

Liaise with Legal and Credit Departments to prepare recovery cases for litigation or enforcement action.

Work with external counsel on matters involving insolvency foreclosure or debt recovery litigation.

Track and report on the status of ongoing legal cases and court outcomes.

Stakeholder Engagement

Support communication with borrowers guarantors co-lenders and insolvency practitioners.

Collaborate with internal teams (Credit Risk Finance Legal) to align recovery actions with institutional policies.

Decision Making/ Job Influence

Makes operational recommendations on recovery options negotiation tactics and follow-up actions.

Escalates complex or sensitive recovery matters for strategic decision-making by the Manager.

Influences the execution pace of recovery actions based on borrower responsiveness and case dynamics.

Working Conditions

v Office-based with occasional travel to client locations legal institutions or collateral sites.

v May require extended hours to meet litigation restructuring or reporting deadlines.

v Involves managing high-stakes sensitive or contentious recoveries requiring discretion and diplomacy.

Academic Qualifications

Bachelors degree in Law Finance Accounting Business Administration Economics or related field is required.

Postgraduate training or certification in Credit Corporate Finance or Debt Recovery is an added advantage.

Professional Qualifications / Membership to professional bodies

Certification in credit or risk management (e.g. CPA CFA CIPA CIRM) is an added advantage.

Membership in a professional banking or credit association is an added advantage.

Previous relevant work experience required

Minimum 5 years of relevant experience in credit recovery distressed asset management or loan workout processes.

Experience in banking development finance or financial restructuring preferred.

Functional Skills:

Behavioural Competencies/Attributes:

v Knowledge of corporate credit analysis and recovery options

v Understanding of loan structuring and restructuring principles

v Familiarity with legal recovery frameworks and enforcement processes

v Proficiency in report writing financial analysis and MS Excel modeling

v Ability to track recovery KPIs and maintain accurate case files

v Integrity and sound ethical judgment

v Strong communication and negotiation skills

v Resilience and ability to manage challenging client engagements

v Analytical thinking and attention to detail

v Teamwork and collaboration

v Professionalism in handling confidential and sensitive matters