Closing: May 2, 2024
This position has expiredPublished: Apr 26, 2024 (11 days ago)
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Job Summary
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Experience & Qualifications
- At least three years’ experience in credit analysis and risk management
- University degree in business related field or its equivalent
Skills, Capabilities & Personal attributes
- Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact business performance.
- Technical skills to effectively perform or guide performance of Credit Risk Management activities/tasks in a manner that consistently produce high quality of service.
- Good communication skills
- In-depth knowledge of lending products and best practices
- Knowledge and experience in modern Credit Risk Management practices in Financial Services industry to provide visionary guidance on improvements and changes.
- Knowledge and effective application of all relevant banking policies, processes, procedures and guidance to consistently achieve required compliance standards or benchmarks
- Self-motivated to enable implementation of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.
Responsibilities
Experience & Qualifications
- At least three years’ experience in credit analysis and risk management
- University degree in business related field or its equivalent
Skills, Capabilities & Personal attributes
- Interpersonal skills to effectively communicate with and manage customer expectations (internal and external), and other stakeholders who impact business performance.
- Technical skills to effectively perform or guide performance of Credit Risk Management activities/tasks in a manner that consistently produce high quality of service.
- Good communication skills
- In-depth knowledge of lending products and best practices
- Knowledge and experience in modern Credit Risk Management practices in Financial Services industry to provide visionary guidance on improvements and changes.
- Knowledge and effective application of all relevant banking policies, processes, procedures and guidance to consistently achieve required compliance standards or benchmarks
- Self-motivated to enable implementation of open communication, teamwork and trust that are needed to support performance and customer-service oriented culture.
- To protect the financial strength and the reputation of the bank.
- Preparing Monthly credit Reports
- Analyse credit proposals by observing policies, procedures and regulatory requirements and provide recommendations to relevant approving authorities/committees.
- Ensure all the approval conditions are well captured in respective facility letters and are legally enforceable.
- Support the business teams in their dealings and ensure quality bookings and growth of credit book.
- Ensure credit portfolio remains of good quality with balanced concentration and diversification always.
- The CRB Project Manager must generate periodic management reports for discussions at senior management meetings as a key agenda, with specific focus on the quality of data including the data success rate, rejected records, and the reasons thereof.
- Provide leadership and support to the branch enrolling customers on CRB.
- Ensure best TAT in loan processing to meet customer’s expectations.
- Participate in target market strategy and its preparation, PPs and other credit related products.
- Support Head of Credit, Act as secretary to bank credit committees, and BCC.
- Assist in ensuring that the bank achieves an audit rating of acceptable or better in all credit reviews.
- Monitoring of existing credit portfolio by preventing potential risk accounts from rolling into delinquent buckets and prevent overdues.
- Extracting, analyzing and interpreting the information from daily reports and providing appropriate recommendations/escalation to the management as appropriate.
- Ensure good quality of credit management services (approvals, disbursements, reports and remedial management) in supporting business goals.
- Report all risk and loss events as a result of errors or fraud to the line manager and /or relevant parties to manage mitigate possible losses.
- Work with Business Units to ensure portfolio quality remains within group target and regulatory NPL ratio of 5%.
- Minimization of exposures and impacts of credit risks, managing troubled exposures to ensure good loan recovery.
- Assist the Head of Credit to ensure that provisioning policies are in line with the Bank’s Credit Policy Document, comply with Banking Act provisions and co-ordinate with Finance Division to ensure appropriate provisions and interest suspensions for the credit book are effected in the Bank’s accounting systems.
- Perform any other duties as directed by the Management/supervisor and not limited to the following
- Ensure the bank achieves an audit rating of acceptable or better level in all credit reviews and participating in closure of open audit queries.
- Provide appropriate inputs to develop the bank’s Target Market.
- Ensure the credit risk strategy is in place and up to date always.
- Assist Head of Credit identifying skills gaps and training needs for credit analysts and RMs/Ros.
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