Job Purpose:

To support the Manager – Corporate Recoveries in managing and executing the recovery of non-performing and distressed loan accounts across the Bank’s portfolio. The role involves conducting borrower assessments, recommending recovery strategies, coordinating with internal and external stakeholders, and monitoring implementation of restructuring or legal enforcement actions to maximize recoveries and minimize credit losses.

Key Responsibilities and Job Dimensions

Key Responsibilities

Recovery Case Management

• Manage a portfolio of non-performing or underperforming accounts under the guidance of the Manager – Corporate Recoveries.
• Perform loan file reviews, financial and legal due diligence, and collateral assessments.
• Prepare and recommend customized recovery or restructuring strategies for approval.

Restructuring and Workout Support

• Assist in negotiating revised repayment plans, restructuring proposals, or debt settlements with borrowers.
• Monitor adherence to approved restructuring terms and trigger corrective actions in case of default.
• Maintain detailed records of restructuring arrangements, collateral valuations, and client correspondence.

Legal and Enforcement Coordination

• Liaise with Legal and Credit Departments to prepare recovery cases for litigation or enforcement action.
• Work with external counsel on matters involving insolvency, foreclosure, or debt recovery litigation.
• Track and report on the status of ongoing legal cases and court outcomes.

Stakeholder Engagement

• Support communication with borrowers, guarantors, co-lenders, and insolvency practitioners.
• Collaborate with internal teams (Credit, Risk, Finance, Legal) to align recovery actions with institutional policies.

Decision Making/ Job Influence

• Makes operational recommendations on recovery options, negotiation tactics, and follow-up actions.
• Escalates complex or sensitive recovery matters for strategic decision-making by the Manager.
• Influences the execution pace of recovery actions based on borrower responsiveness and case dynamics.

Working Conditions

• Office-based with occasional travel to client locations, legal institutions, or collateral sites.
• May require extended hours to meet litigation, restructuring, or reporting deadlines.
• Involves managing high-stakes, sensitive, or contentious recoveries requiring discretion and diplomacy.

Requirements

Academic Qualifications

• Bachelor’s degree in Law, Finance, Accounting, Business Administration, Economics or related field is required.
• Postgraduate training or certification in Credit, Corporate Finance, or Debt Recovery is an added advantage.

Professional Qualifications / Membership to professional bodies

• Certification in credit or risk management (e.g., CPA, CFA, CIPA, CIRM) is an added advantage.
• Membership in a professional banking, or credit association is an added advantage.

Previous relevant work experience required

• Minimum 5 years of relevant experience in credit recovery, distressed asset management, or loan workout processes.
• Experience in banking, development finance, or financial restructuring preferred.

Functional Skills:

Behavioural Competencies/Attributes:

• Knowledge of corporate credit analysis and recovery options
• Understanding of loan structuring and restructuring principles
• Familiarity with legal recovery frameworks and enforcement processes
• Proficiency in report writing, financial analysis, and MS Excel modeling
• Ability to track recovery KPIs and maintain accurate case files
• Integrity and sound ethical judgment
• Strong communication and negotiation skills
• Resilience and ability to manage challenging client engagements
• Analytical thinking and attention to detail
• Teamwork and collaboration
• Professionalism in handling confidential and sensitive matters

• Manage a portfolio of non-performing or underperforming accounts under the guidance of the Manager – Corporate Recoveries.
• Perform loan file reviews, financial and legal due diligence, and collateral assessments.
• Prepare and recommend customized recovery or restructuring strategies for approval.
• Assist in negotiating revised repayment plans, restructuring proposals, or debt settlements with borrowers.
• Monitor adherence to approved restructuring terms and trigger corrective actions in case of default.
• Maintain detailed records of restructuring arrangements, collateral valuations, and client correspondence.
• Liaise with Legal and Credit Departments to prepare recovery cases for litigation or enforcement action.
• Work with external counsel on matters involving insolvency, foreclosure, or debt recovery litigation.
• Track and report on the status of ongoing legal cases and court outcomes.
• Support communication with borrowers, guarantors, co-lenders, and insolvency practitioners.
• Collaborate with internal teams (Credit, Risk, Finance, Legal) to align recovery actions with institutional policies.

• Knowledge of corporate credit analysis and recovery options
• Understanding of loan structuring and restructuring principles
• Familiarity with legal recovery frameworks and enforcement processes
• Proficiency in report writing, financial analysis, and MS Excel modeling
• Ability to track recovery KPIs and maintain accurate case files
• Integrity and sound ethical judgment
• Strong communication and negotiation skills
• Resilience and ability to manage challenging client engagements
• Analytical thinking and attention to detail
• Teamwork and collaboration
• Professionalism in handling confidential and sensitive matters

• Bachelor’s degree in Law, Finance, Accounting, Business Administration, Economics or related field is required.
• Postgraduate training or certification in Credit, Corporate Finance, or Debt Recovery is an added advantage.
• Certification in credit or risk management (e.g., CPA, CFA, CIPA, CIRM) is an added advantage.
• Membership in a professional banking, or credit association is an added advantage.