A. LeadershipEnsures that the team members live up to the corporate values of Quest Holdings Ltd Coordinates with other team members to exchange information and update procedures and collection techniques Constantly offer trainings to the team in ensuring that they increase right party contacts conversion rates. Guide the team in ensuring proper and extensive negotiations are carried out in debtor engagements Be the link between the team and the senior management by providing feedback on escalated issues Constant communication with the team and the senior team  B. Performance Management.Analyze the individual collector’s book performance with an aim of ensuring the attainment of the agreed set targets. Closely monitor and support the team in attaining maximum daily successful calls Review daily collector’s performance tend and guide them for improvements Ensure efficiency in call timings by individual collectors Ensure that all payments are confirmed and processed for invoicing Ensure all accounts assigned are action by the collectors                  C. Meetings Ensure full implementation of the deliverable of the meetings held Conduct monthly and other meetings with the principal clients to review book performance and share strategies that work. Guide and support the collectors in meeting debtors as and when they are planned Engage with TL colleagues in reviewing the set targets and share alternative approaches on how to realize the set targets and support the team.                   D. ReportingPrepare the principal’s monthly and daily reports and set up monthly meetings for performance review. Reviews collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of collection policies and procedures within own portfolio Constantly update the operations manager through the reports, on the performance update of my team on a daily to weekly basis

 Risk Management-Evaluating and understanding of risks associated with individual transactions, Micro and SME, Products and borrowers and also in terms of credit and operations. Appraising and making recommendations on credit proposals and ensuring compliance with the Institution’s Credit Policy, Procedures and Service Level Agreements. Maintain updated records of deliberations during the HOCC. Authenticating documentation presented for all credit applications and ensuring that they meet the KYC requirements Vetting and Analyzing collaterals/securities provided for approved facilities against facility letter’s terms and conditions of agreed covenants for Individual, Micro and SME customers. Monitoring and administration of credit performance through reports. Ensuring that all post approval activities, including conditions precedent to disbursement are compiled with. Monitoring periodic reviews of delinquent customer and their credit lines to ensure recovery strategies are performed. Perusing g Internal Audit, and Credit Risk & Compliance reports to ensure that any shortcomings highlighted with regard to NPAs have been sufficiently addressed. Ensuring that all Monthly and Quarterly credit risk and non-performing loan returns/reports are properly prepared and presented to Management for review. Ensuring that all necessary systems and controls are in place to properly manage the NPAs book and maximize the recovery of debt Prepare, analyze and submit securities report and prudential reports as required especially by the credit team in order to recommend appropriate facility structure/product solution to meet individual customers. Point of contact for Micro/SME Relationship Managers on queries related to securities documentation process, process and requirements as per the new land at and Company act. Identify new and emerging risks associated with the security perfection.

 Assist the Credit Administration Supervisor with the continuous improvement of the Credit  Administration Department by undertaking a review of current practices;  Ensure the timely ordering of valuations;  Assist with the settlement process of property purchases and discharges, responding to solicitors requirements, ensuring the professional image is maintained at all times;  Assist with the outstanding security report, balancing of the General Ledger accounts and follow up where necessary;  Assist the Credit Administration Supervisor with the development and implementation of a thorough hindsight review process ensuring all breaches are reported through a centralized incident reporting process;  Undertake general reporting on outstanding issues on a regular basis covering both positive and negative reporting; and Ensure all relevant spreadsheets are updated and maintained to assist with the efficient running of the administration team’s functions.  Maintain a register of outstanding loan findings from the branch network and provide such information to supervisor to allow effective follow up by Regional Managers  Ensure motor vehicle details are received and registered with the Register of Encumbered Vehicles  Ensuring that all vehicles are tracked and visible in the system and submitting a weekly report on the same. In charge of documentation, Loan appraisal and assisting the credit committee in Loan Approval

 Establishing new accounts by planning and organizing daily work schedule to call on existing or potential clients. Focusing sales efforts by studying existing and potential volume of bankers. Monitoring competition by gathering current marketplace information on pricing, products, new products etc