* Led a team of loan underwriters and collections officers to develop underwriting and collections policies and processes, resulting in a 30% reduction in Turn-Around-Time.* Led credit analysis, assessing over 600 loan applications monthly, achieving a 10% increase in approved applications through meticulous evaluation.* Conduct credit reference checks using multiple bureaus, interpreting results and reducing the risk of credit losses by 20% through meticulous credit underwriting processes.* Implemented loan collections automation, introducing Direct Debit for enhanced collections efficiency and improving payment collections by 25%.*Applied a customer-centric approach in loan underwriting and collections, resulting in improved customer relations, prompt issue resolution, and increase in customer satisfaction.

* Developed and ensured adherence to credit policies and seamless policy implementation, also ensuring periodic policy reviews and updates.* Led the implementation of Loan Management Software, successfully migrating from MS Excel records, which enhanced operational efficiency.* Ensured timely submission of deduction schedules to employer payroll offices, avoiding PDOs and achieving 20% improvement in on-time payroll deductions.* Managed defaulting accounts, allocating them to collections staff for follow-up and resolution, minimizing NPLs (Non-Performing Loans)

* Conducted credit reference checks using multiple bureaus, interpreting results and reducing the risk of credit losses through meticulous credit underwriting processes.* Maintained appropriate debt-to-income ratio to mitigate the risk of default.* Conducted periodic training for Underwriting staff, ensuring efficiency in underwriting activities and identifying fraudulent applications.* Led the implementation of Loan Management Software with successfully migration, ensuring a smooth transition without loss of data.

* Conducted first-level checks on loan applicants, ensuring suitability and affordability, reducing high-risk applications.* Served as a customer service officer, managing client issues and complaints while originating loans.* Performed data entry and loan booking for high volumes of loan applications, leveraging advanced loan origination software.* Processed loan settlements by initiating requests for approval.* Led the training and retraining of all new Credit Originators, Underwriters and Sales staff and setup Credit Origination and Underwriting process for all new branches, ensuring smooth take-off for great customer experience.* Managed data and led the implementation of Loan Management Software, ensuring seamless migration without loss of data, resulting in reduction in loan processing time.