Head, Loan Monitoring

• Develop and implement the Bank's loan monitoring framework, policies, and procedures.
  


• Supervise the monitoring of all disbursed credit facilities from disbursement until full repayment.
  


• Ensure post-disbursement verification visits are conducted to confirm proper utilization of loan proceeds.
  


• Monitor repayment trends and identify early warning indicators of potential loan defaults.
  


• Ensure prompt follow-up on overdue accounts and coordinate appropriate recovery actions.
  


• Review portfolio quality reports and recommend strategies for reducing portfolio at risk (PAR).
  


• Conduct periodic reviews of loan covenants, collateral adequacy, and customer compliance with approved loan conditions.
  


• Prepare comprehensive portfolio monitoring reports for Executive Management and the Board Credit Committee.
  


• Collaborate with Credit Management, Recovery, and Legal Services to resolve delinquent loan accounts.
  


• Monitor sectoral, geographic, and product concentration risks within the loan portfolio.
  


• Recommend restructuring, rescheduling, or other remedial actions for distressed facilities where appropriate.
  

Requirements