Job Purpose
To identify, review and recover or restructure/restore to performance non-performing debts and make appropriate recommendations to avoid such situations arising in the future in order to mitigate credit risks.
Main Responsibilities
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To initiate and develop restructuring and recovery strategies towards reduction of non-performing loans (NPL) levels as targeted by bank’s management;
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Contribute to the bank’s profit through write backs
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Ensure compliance with credit policies, regulatory requirements and best practices in caring out recovery actions with a view to minimizing credit risks
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Work closely with all banks appointed external agencies (debt collectors, appointed receivers, court bailiffs, lawyers etc) and other third-party vendors
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Partner with the legal unit and lawyers for efficient and effective resolution of matters in court.
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Assist Credit Recovery Manager to prepare statutory and regulatory reports required by the bank
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Give recommendations to Recovery Manager on issues of debt recovery including disposal of securities, litigation, restructuring, final settlement, write-offs and write-downs for approval.
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Provide professional business support to the Credit Recovery Manager to resolve challenges faced by stressed clients
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To enhance the Bank’s overall image through improved relations with bad debtors and ensure customers are satisfied through timely responses to issues;
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Perform other tasks reasonably required by Credit recovery Manager or Senior Credit Recovery Manager within the framework of this job description.
Daily Responsibilities:
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Daily review of assigned NPLs portfolio for any follow up of promise to pay from the customer and plan course of action to recover owed money.
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Meeting and call customers, write call reports and share with Credit Recovery Manager and file same to customer files.
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Write demand notice and statutory notices to customer under NPL; initiate and follow up related files in CQ, EMRS, and IECMS
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Negotiating with customers to express their willingness to repay and propose different alternative to get solutions
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Preparation of Recovery reports for management and regulator.
Educational qualifications and work experience:
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Bachelor’s Degree in Finance, Accounting, Economics, Business Management or Law.
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Professional certification CPA/ILPD.
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Master’s Degree in Business Administration is an added advantage.
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3 years Minimum experience in Credit, debt collection/Recoveries.
Deadline: July 24th, 2026
