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Purpose
The Credit Specialist is part of the GBS-DR, Integral Operations team and is responsible for conducting thorough review of conditionally approved retail credit applications received through Digital and Contact Centre channels. The Credit Specialist identifies inconsistencies in the application, validates all required SAM messages, underwrites and decisions the application while adhering to authorized approval limits. Validation of identity forms is a critical component of the review process requiring all investigation activities to be documented in the case.
Accountabilities
• Champions a customer focused culture to deepen client relationships and leverage broader Bank relationships, systems and knowledge.
• Underwriting Retail Credit by:o Reviewing and authorizing conditionally approved applications for accuracy and consistency in all credit policies.o Executing thorough credit investigations and providing sound recommendations/approvals within assigned limits, (see Appendix A) on loan applications and credit related services.o Conducting effective telephone communications in order to complete/conclude credit investigations while maintaining the confidentiality of the Bank and customer. o Performing enhanced due diligence and adhering to full investigation as per KYC procedures.o Responding to correspondence concerning credit enquiries and problems from customers and branches.o Validating identity of applicant using current and relevant processes.o Reporting fraud through proper channels when identified.o Recommendation to ACE when the application warrants an override to SAM/DRE credit decision.
• Develop and maintain banking relationships with customers in a way which ensures that the delivery of customer service fosters overall customer satisfaction consistent