Job Summary:

• Manage the day to day rent arrears recovery.
• Keep track of accounts to identify outstanding rent arrears.
• Plan course of action to recover outstanding payments.
• Locate and contact debtors to inquire about their payment status and obligations.
• Negotiate payoff deadlines or payment plans.
• Handle issues relating to the rent arrears recovery process.
• Investigate and resolve discrepancies.
• Update account status and database regularly.
• Comply with requirements when legal action is unavoidable.
• Manage multiple rent arrears recovery at a time.

Skills on Resume:

• Arrears Recovery (Hard Skills)
• Account Tracking (Hard Skills)
• Payment Planning (Soft Skills)
• Debtor Contact (Soft Skills)
• Payment Negotiation (Soft Skills)
• Issue Resolution (Soft Skills)
• Status Updates (Hard Skills)
• Legal Compliance (Hard Skills)

Job Summary:

• Investigate credit claims and liaise with branch managers
• Reconcile accounts and allocate payments received
• Assess credit applications and customer credit limits.
• Assisting branches with customer accounts
• Collection of overdue accounts 
• Administration support to the business 
• Processing credit applications, credit assessments and limit reviews
• Liaising with customers, mercantile agents, liquidators, and administrators
• Assisting in preparation of monthly debtors’ reports
• Accounts and Administration ad hoc tasks.

Skills on Resume:

• Credit Claim Investigation (Hard Skills)
• Account Reconciliation (Hard Skills)
• Credit Application Assessment (Hard Skills)
• Branch Support (Soft Skills)
• Overdue Account Collection (Hard Skills)
• Admin Support (Soft Skills)
• Limit Review Processing (Hard Skills)
• Debtor Reporting (Hard Skills)

Job Summary:

• Provide administration and support for all finance and leasing products.
• documentation and settlement of transactions across a product suite.
• Resolving any issues and communicating those to the relevant business units.
• Process contracts in a timely and efficient manner.
• Focus on PPSR related charges
• Registrate securities and lodgment of required documents at PPSR
• Update Excel files and produce relevant reports.
• Deal with the termination of commercial finance contracts
• Deal with queries from clients, solicitors, accountants and financiers
• General post settlement duties
• Ensure all clients loaded correctly into the system

Skills on Resume:

• Finance Product Support (Hard Skills)
• Transaction Settlement (Hard Skills)
• Issue Resolution (Soft Skills)
• Contract Processing (Hard Skills)
• PPSR Management (Hard Skills)
• Security Registration (Hard Skills)
• Report Generation (Hard Skills)
• Post-Settlement Duties (Hard Skills)

Job Summary:

• Responsibility for the on-boarding of all counterparties within the portfolio.
• Responsible for the credit reviews for these counterparties and assigning the credit risk to each name.
• Implement the Group Credit Policy and Operating Procedures.
• Develop and manage relationships with key counterparties.
• Proactive support of trading desks for each transaction including appropriate negotiation of credit clauses and risk appetite.
• Monitor and report on the credit risk within the portfolio to ensure that it’s properly secured and within approved limits, intervening
• Act as part of key deal teams for structuring transactions
• Act as a key member of the global credit team and Credit Committee.
• Support the effective management of the global insurance policy.

Skills on Resume:

• Counterparty Onboarding (Hard Skills)
• Credit Risk Assignment (Hard Skills)
• Policy Implementation (Hard Skills)
• Relationship Management (Soft Skills)
• Trading Support (Soft Skills)
• Risk Monitoring (Hard Skills)
• Deal Structuring (Soft Skills)
• Insurance Management (Hard Skills)

Job Summary:

• Complete accounts receivable processing including banking payment allocation and opening new accounts.
• Monitor customer approved credit limits and ensure compliance
• Resolve any outstanding customer issues in a timely manner.
• Work closely with peers in the credit team, providing support for team members and management
• Assess and make credit decisions on personal loan applications, ensuring information is accurate and genuine
• Read and interpret comprehensive credit reports and tax documents
• Verify and validate that all regulatory and lending policies are adhered to
• Perform serviceability checks as well as ID and Fraud verification
• Ensure compliance with NCCP, RG209, Privacy Act and AML/CTF
• Help support and coach team members
• Help contribute to process and policy improvements within the company operations

Skills on Resume:

• Payment Allocation (Hard Skills)
• Credit Limit Monitoring (Hard Skills)
• Issue Resolution (Soft Skills)
• Credit Decision Making (Hard Skills)
• Report Interpretation (Hard Skills)
• Policy Compliance (Hard Skills)
• Fraud Verification (Hard Skills)
• Team Support (Soft Skills)

Job Summary:

• Cash collection for allocated major accounts.
• Cash allocation for other assigned accounts.
• Review new credit applications.
• Timely and accurate reconciliation of major accounts and all other assigned accounts. 
• Ensure customer claims/allowances are reviewed and processed on a timely basis.
• Build relationships with internal & external customers.
• Regular end of month reporting and adhoc reporting as requested by the National Credit Manager.
• Ensure claims are processed on a timely basis (within 30 days)
• Prepare and maintain accurate Cash Forecasts for assigned accounts
• Ensure are achieving targets set by Management
• Ensuring that comply with the Credit management policy.
• Prepare files for delinquent account to be given to NCM for collection action

Skills on Resume:

• Cash Collection (Hard Skills)
• Cash Allocation (Hard Skills)
• Credit Application Review (Hard Skills)
• Account Reconciliation (Hard Skills)
• Claim Processing (Hard Skills)
• Customer Relationship Building (Soft Skills)
• Reporting (Hard Skills)
• Delinquent Account Preparation (Hard Skills)

Job Summary:

• Manage the process for developing and enhancing risk policies and procedures, risk indicators, risk limits and approval authorities.
• Assist in ensuring the Bank's risk management policies and strategies are in compliance with MAS regulations and strategic objectives of the Bank.
• Evaluate the effectiveness of the Bank's internal control framework in addressing risks and accomplishing the company's goals and objectives.
• Ongoing monitoring of the risk-taking activities and risk exposures as well as planning the overall risk management process of the Bank to mitigate all risk exposure.
• Perform individual credit assessment of credit cases including ETB and NTB clients
• Present credit application & writing of minutes in credit committee meeting
• Prepare written credit-approval packages and recommend credit decisions for vehicle and equipment financing applications. 
• Maintain a high quality underwriting to ensure efficient turnaround time, and delinquency as well as write-offs are kept to a minimum level.
• Prepare effective routine and ad hoc credit analysis reports to facilitate portfolio monitoring and management purposes.
• Keep abreast of credit and finance industry regulations, requirements and trends, communicates pertinent information within team.

Skills on Resume:

• Risk Policies (Hard Skills)
• MAS Compliance (Hard Skills)
• Control Evaluation (Hard Skills)
• Risk Monitoring (Hard Skills)
• Credit Assessment (Hard Skills)
• Credit Presentation (Soft Skills)
• Underwriting Quality (Hard Skills)
• Credit Reporting (Hard Skills)

Job Summary:

• Assist senior department members, including the Chief Credit Officer
• Analysis of new and existing commercial loans including determining appropriate risk-based pricing, leverage levels, borrower and industry financial analysis
• Analyzing financial data from borrowers for new and existing loans, including such data as financial statements, tax returns, personal financial statements, financial projections, business plans and information provided by credit bureaus and other financial institutions
• Monitor financial performance on collateral underlying loans including commercial real estate, high yield debt, and large mortgage-backed lines of credit.
• Monitoring and verifying customer borrowing base reports
• Prepare memorandums and summaries regarding loan requests from borrowers which are used in the approval decision at loan committee meetings
• Debt collection and negotiation of payment plans for a win/win outcome
• Managing credit application process for new customers and running credit checks on new and existing customers
• Managing actions on accounts exceeding credit limits including stop/referral and progression to legal 
• Fostering strong and professional relationships with various internal and external stakeholders
• Resolving customer queries in a timely and professional manner.

Skills on Resume:

• Loan Analysis (Hard Skills)
• Financial Data Review (Hard Skills)
• Collateral Monitoring (Hard Skills)
• Borrowing Base Verification (Hard Skills)
• Loan Memo Preparation (Hard Skills)
• Debt Collection (Soft Skills)
• Credit Application Management (Hard Skills)
• Stakeholder Relations (Soft Skills)

Job Summary:

• Familiar with internal Credit Policies and Procedures, and become the local expert on applicable rules
• Follow a streamlined underwriting process to rapidly and accurately underwrite batches of Sellers selling to one or more end Debtors (Counterparty Credit Risk)
• Research and understand major agency credit ratings as well as independent Financial Stress scores of end Debtors
• Develop a Seller and Debtor Profile and Rating for purposes of portfolio management for each new prospective Seller/Debtor relationship
• Spreading and analyzing Financial Statements on SME supplier and end Debtors /all constituents to determine risk parameters and credit worthiness. 
• Independently follow up for updated information to reassess for any variations in credit risk periodically
• Prepare detailed credit memorandums, collaborate with other business departments for jointly controlled names as administration 
• Pro-actively manage names (under supervision) within the assigned credit portfolio for any significant news and or signs of deterioration
• Support on-going administration, amendments, and renewals of transactions
• Enhance and master the use of internal Financial, Risk, and Pricing Models
• Provide Portfolio Management Reporting and other asset quality review assessments as needed for internal and board presentations
• Assist in the enforcement of “Collection Policy” on any outstanding dues from any obligor / counterparty

Skills on Resume:

• Credit Policy Expertise (Hard Skills)
• Underwriting Process (Hard Skills)
• Credit Rating Research (Hard Skills)
• Profile Development (Hard Skills)
• Financial Analysis (Hard Skills)
• Risk Reassessment (Hard Skills)
• Credit Memorandum Preparation (Hard Skills)
• Portfolio Management (Hard Skills)

Job Summary:

• Gathering financial and business related information from customers, prospects, and other available resources.
• Analyzing financial statements prepared at all levels of quality including opinions and notes, tax records, in house prepared financial statements and pro forma statements.
• Preparing credit analysis and recommendations, and participating in loan closings.
• Conducting research on agricultural and related industries and commodities to determine viability, trends, and opportunities.
• Supporting customer relationships through marketing and servicing financially related products by communicating with customers, their professional representatives and employees.
• Daily allocation of customer payments received as per remittances and bank deposits
• Reconciling customer accounts and customer file maintenance
• Collect outstanding monies and checking customer accounts for sales errors
• Contacting customers during the month regarding upcoming payments and providing information.
• Working with customers experiencing payment difficulties to make payment plans.
• Ensuring customers spend within their credit limits and working with Branches and credit management if credit limit changes 

Skills on Resume:

• Data Gathering (Hard Skills)
• Financial Statement Analysis (Hard Skills)
• Credit Recommendations (Hard Skills)
• Industry Research (Hard Skills)
• Customer Relationship Support (Soft Skills)
• Payment Allocation (Hard Skills)
• Account Reconciliation (Hard Skills)
• Payment Plan Negotiation (Soft Skills)

Job Summary:

• Reviews and makes recommended changes to draft Credit Approval Document as prepared by the SBA Loan Underwriter in adherence to SOP, as well as Bank Policies and Guidelines
• Exercise the Banks PLP Delegated Lending Authority on loans up to $1MM in individual credit authority, as designated by First IB Board of Directors
• Works with the SBA credit manager to make prudent recommendations on loans over personal credit authority granted
• Actively participates in the pre-screen process and provides eligibility and structuring recommendations to Business Development Officers before deal submission
• Provides training to new SBA Credit Underwriters and SBA Credit Interns
• Reviews the work of SBA Loan Underwriters for accuracy/completeness 
• Underwrites SBA 7(a), Express, and 504 loans up to program maximums for a lender possessing a national lending footprint.
• Maintains up to date knowledge of current SOP SBA requirements through continuous learning individually and through NAGGL and/or other outlets.
• Presents Credit Approval Document in a concise, consistent, organized fashion, fully supported with proper justification/rationale
• Uses critical thinking skills/research to support a prudent credit recommendations
• Collects, spreads, analyzes and evaluates financial and related data to determine credit worthiness of prospective or existing borrowers in adherence with First Internet Bank Credit Guidelines/Policy and SBA SOP requirements
• Notifies BDOs of underwriting decisions, underwriting requirements, and current status
• Negotiates with Borrower/BDOs to reach positive solution for both Bank and Borrower
• Prepares Commitment Letters in adherence to loan conditions once loan has been approved.
• Review third party reports including appraisals, business valuations, RSRAs, and Phase I/II to ensure consistent with approval requirements.

Skills on Resume:

• Credit Document Review (Hard Skills)
• Lending Authority (Hard Skills)
• Loan Recommendations (Hard Skills)
• Pre-Screen Structuring (Soft Skills)
• Underwriter Training (Soft Skills)
• SBA Loan Underwriting (Hard Skills)
• SOP Compliance (Hard Skills)
• Financial Data Analysis (Hard Skills)

Job Summary:

• Analyze, filter and handle credit requests (new, renewal, amendments) of all types (including guarantees and Private Equities with support from Geneva Credit Team). 
• Provide appropriate feedback to relationship Managers on feasibility or otherwise
• Filter exception requests, determine whether any exception to the Group policy is within the group risk appetite, supported by local RISK Management team and whether such special treatment is justified
• Prepare credit proposals, providing balanced assessment of key risks and mitigants along with commercial rationale to support request to decision makers. 
• Present cases in LOESA Credit Committee and circulate for other functional approvals as required (including seeking recommendation from Geneva CREDIT)
• Follow progress of request through approval process to booking, and communicate decision to RM
• Prepare credit documentation in accordance with defined local requirements, liaising with LOESA legal 
• Implement credits in IT Credit system and participate in finding solutions to cure shortfalls related to Credit or limit violations after being informed by the Risk Department
• Be part and proactive on all risk and legal matters
• Analyze and craft solutions to accommodate changes to the request on a post-approval basis via change memos

Skills on Resume:

• Credit Request Analysis (Hard Skills)
• Feasibility Feedback (Soft Skills)
• Policy Exception Review (Hard Skills)
• Credit Proposal Preparation (Hard Skills)
• Case Presentation (Soft Skills)
• Approval Process Management (Hard Skills)
• Credit Documentation (Hard Skills)
• Risk Solution Development (Soft Skills)

Job Summary:

• Assessing and processing and new client applications ensuring all documents are received and correct.
• Assessing existing client set ups on the internal system ensuring all information is correct.
• Setting and controlling credit limits based on external reports and understanding of clients.
• Responding to invoice inquiries and managing payment terms.
• Managing stop credit and orders on hold.
• Answering customer queries regarding disputed invoices and arranging the issuance of credit notes
• Conducting company trade references.
• Creating and sending out invoices, purchase orders and proof of delivery.
• Assisting Credit Manager to manage overdue accounts and ensure the Credit Policy is implemented effectively.
• Compile and issue monthly customer statements.
• Follow up on customer applications regarding missing and/or incorrect information.
• Compliance with relevant legislation, industry codes and Company policies and procedures
  

Skills on Resume:

• Client Application Processing (Hard Skills)
• System Setup Review (Hard Skills)
• Credit Limit Control (Hard Skills)
• Invoice Management (Hard Skills)
• Order Hold Management (Hard Skills)
• Dispute Resolution (Soft Skills)
• Trade Reference Checks (Hard Skills)
• Overdue Account Management (Hard Skills)

Job Summary:

• Assess customers credit risk, prepare credit approval, and form risk mitigation plan
• Perform debt collection and ensure problem customers can be quickly identified and addressed
• Prepare cash flow forecast, variance analysis, and debtor aging analysis for planning and control purpose
• Responsible for trade financing in areas of planning, execution, and settlement reconciliation
• Design policy and workflow to enhance efficiency of order-to-cash sales process.
• Managing an assigned debtors ledger - review and ensure the consistent and timely follow up of all debtor processes & issues.
• Allocating and receipting payments
• Opening new accounts, credit checks, write offs and referrals to their 3rd party collections provide
• Debtor reporting and ensuring policy and procedures are followed and maintained

Skills on Resume:

• Credit Risk Assessment (Hard Skills)
• Debt Collection (Hard Skills)
• Cash Flow Forecasting (Hard Skills)
• Trade Financing (Hard Skills)
• Process Workflow Design (Hard Skills)
• Ledger Management (Hard Skills)
• Payment Allocation (Hard Skills)
• Debtor Reporting (Hard Skills)