Credit Policy & Portfolio Officer

Education

• Minimum Education: First degree in Business related and Science/Engineering courses.
  

Experience

• Minimum experience: 2 years of relevant experience in banking or risk management.
  

• Carry out periodic review on methodologies (Impairment, ICAAP, and CAR) as required.
  

• Preparation of monthly Capital Adequacy Requirement report (CAR)
  

• Preparation of monthly impairment calculation
  

• Preparation of monthly IFRS credit journals
  

• Preparation of quarterly ICAAP report to CBN (Internal Capital Adequacy Assessment Process)
  

• Preparation of credit disclosures for Year End and Periodic Audit
  

• Conduct Stress testing and scenario analysis for stakeholder unit/department/regulator as required
  

• Provide support for portfolio projects (IFRS, Basel)
  

• Conduct macroeconomic review, industry studies and industry ratings for the development of portfolio plan and credit strategy
  

• Analyse portfolio trends to determine root causes of negative trends in the Bank’s portfolio and recommend corrective measures.
  

• Conduct analysis of ratings in the Bank’s portfolio (Weighted Average Risk Rating)
  

• Implement the Enterprise Risk Management (ERM) framework to ensure compliance with Basle and IFRS requirements and co-ordinates the process for the review of the document
  

• Any other portfolio management tasks
  

• Comply with the principles and policies in the Information Security Handbook