1.Evaluate Corporate proposals to ensure they meet sound business criteria and credit risk falls within acceptable parameters, approve or recommends appropriate credit facilities including terms, conditions and covenants. 2.Prepares Credit proposals for Management Credit Committee and Board Credit Committee review. 3.Ensures accuracy and reliability of approvals within advised Delegated Authority and or referrals to higher authority, on Corporate requests reviewed 4.Guides originators as appropriate and adding value to credit requests to reduce reworks on applications to < 10% and improving Turnaround time on credit evaluations.5.Providing guidance on distressed facilities and restructures.6.Detects and evaluate shifts or changes in key risk parameters and evaluate the implications of such changes on continued banking relationship.7.Actively hind sighting lending decisions to ensure that correct procedure are being followed in the approval of facilities. 8.Review of relevant internal & external communications, such as circulars, economic reviews on industries, & financial or industry publications to ensure that any development, new requirements or external risks are properly taken cognizance of in lending decisions or conditions of lending. Liaising with other departments on credit related issues.

1.Identified training needs among the Analysts and relationship teams in SME and Retail, classify the needs as Basic, Intermediate or Advanced. Conduct Basic, intermediate and Advanced Training to the credit Analysts and the relationship team.2.Liaised with the credit analysts at the service outlet to ensure quality proposals are provided to enable management reach a quality decision.3.Ensured that service levels are adhered to in relation to the Agreed TAT levels.Actions pertaining to performance recognition of credit analysts within the branches as provided for in human resources policies.4.Made decisions on inward clearing exception report requests, Temporary Overdrafts and Excess over Limits as provided for in the discretionary policy.5.Acted as bridge between SME Banking & Retail Banking and the bank in developing products that are suitable for the bank and ensuring that they are within the current policy and if not then seeking waiver of the same form the relevant authorities.6.Made recommendations on the credit line proposals enabling the next level of authority to make sound credit decisions.7.Ensured that all credit proposals adhere to the laid down procedures, policies, Banking Act, prudential guidelines. Analysis of SME and Retail credit proposals against cannons of lending.8.Made contributions to product development team, ensuring that the new products add value to the existing products and developing processes and procedures for the same with a bias in credit.9.Approved of ICERS, Excesses and temporary limits.10 Was involved in drawing up of new procedures and policies for the newly .introduced products.11.Advised and guided credit analysis team on the outcomes in the market that would affect the business.12.Advised the relationship team on the restructuring of the NPLs and the Hardcore ODs.13.Maintained a Database of CLPs and their respective positions

1.Evaluated SME and Corporate proposals to ensure they meet sound business criteria and credit risk falls within acceptable parameters.2.Approved and recommended appropriate credit facilities including terms or conditions of facilities. 3.Ensured accuracy and reliability of approvals within advised DA, or referrals to higher authority, on Business applications reviewed 4.Added value to the credit approval process by guiding originators as appropriate to reduce reworks on applications to < 10%. Identify, quantify and evaluate credit risks in relation to profitability of business proposals and financial viability of Business banking credits. 5.Managed adherence to the service level agreement that have been concluded. 6.Was involved in building relationship with Branch based business and suite-based Business and Commercial Banking Managers to improve quality of business proposals and turnaround time on credit evaluations.7.Detected and evaluated shifts or changes in key risk parameters and evaluate the implications of such changes on continued banking relationship.8.Actively hind sighting lending decisions to ensure that correct procedure are being followed in the approval of facilities, which will prevent new NPL's. 8.Monitored watch lists process to ensure that irregular accounts are identified early and accounts identified as high risk are being managed effectively in terms of agreed action plans. 9.Reviewed relevant internal & external communications, such as circulars, economic reviews on industries, & financial or industry publications to ensure that any development, new requirements or external risks are properly taken cognizance of in lending decisions or conditions of lending. 10.Carried out other functions that could be assigned on daily basis in addition to present roles.11.Liaised with Legal department on credit related issues.

1.Proactively supported the branch in processing of credit applications within the agreed turnaround time whilst ensuring the applications meet the agreed product and risk acceptance standards2.Operated within the existing framework of credit process work flows for documentation and tracking of applications. 3.Ensured that credit applications are properly completed and relevant documentation is in place before uploading to the system.4.Assesed clients capacity to pay loans using Financial models & Risk Analysis 5.Obtained valuation reports, insurance renewals and all other required documentation and ascertain that these documents are valid to aide disbursement process 6.Ensured that all credit applications are submitted when adequately complete as per the requirements within the target market segment. 7.Ensured that all submissions to Credit Administration function are complete and followed up to ensure that the process was finalized within the acceptable timelines. 8.Ensured effective communication with the customers in respect to status of applications on a regular basis.9.Ensured timely processing of credit applications within acceptable Service Level Agreements.10.Ensured that agreements with existing customers are monitored, lapses identified, escalated or resolved.

1.Optimised portfolio potential in conjunction with the business banking team Generate leads and sales by building effective working relationships.2.Prepared management information for monitoring performances Review and management of allocated business portfolio 3.Marketed and sold accounts and credit products to new and existing clients4.Adhered to standards, legal and regulatory, in accordance with the Barclays business 5.Provided quality customer service with a high volume central processing and distribution at the Branch. 6.Responded to customer calls and walk in inquiries regarding product orders.Kept apprised of Bank products, services and promotions.7.Expedited and facilitated the escalation of customer service concerns.8.Deputised the branch manager and handled high net worth customers.

Treasury Custodian. Management of cash limits in line with the bank and regulator guidelinesAccounts processor; account opening and ensuring adherence to policies and proceduresCashier Duties dispensing and receiving cash from customersManaged customers in the banking hall & collection of customer demographics and payments on orders placed