Customer Underwriting:
- Evaluate credit applications end-to-end - financials, trading history, cash flows, and sector-specific risk factors; prepare structured credit appraisals with limit recommendations for review.
Limit Monitoring & Adjustments:
- Track credit limit utilization across the active portfolio; process realtime limit adjustment requests tied to harvest and seasonal cycles; flag exceptions and escalate to Head of Credit.
Portfolio Health Monitoring:
- Monitor DPI (Days Past oldest unpaid Invoice) and DPD daily; identify early-warning signals; maintain a live watch list for at-risk accounts and ensure timely escalation.
Collections Coordination:
- Prepare and hand over DPI 120+ accounts to the collections team with complete documentation; track resolution and update portfolio records.
BPR Support:
- Compile and validate portfolio data for weekly Business Performance Review sessions; ensure numbers are accurate and variance is explained before the review.
Policy & Governance Execution:
- Apply credit SOPs consistently across all channels; flag policy gaps or edge cases to the Head of Credit; maintain audit-ready credit files for every active customer.
Field Visits:
- Travel (25 - 30%) to assess customer operations, validate financial information on the ground, and build direct relationships with key traders.
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