Division: Credit Risk Management

Department: Credit Risk Management

Reporting Relationships:

Functionally reports to the Country MD

Supervises:

Credit Officer, Credit Analyst, Credit Control and Monitoring and Credit Administration

Job Duties:

• Ensure all credit policies and guidelines, procedural and process manuals are adhered to
• Increase credit awareness in high bank-wide through periodic training and testing
• Ensure credit officers execute assigned functions appropriately
• Maintain a high quality credit portfolio, based on internationally accepted risk rating models, which are adequately secured and provide appropriate returns for accepted risk
• Ensure high credit administration standards with suitable archiving and reporting systems
• Monitor the implementation of product programs of the Bank
• Identify causes of credit failures and mitigate bank-wide to prevent recurrence
• Communicate regularly with Bank staff regarding policy changes, process improvements initiatives etc
• Ensure compliance with regulatory guidelines to protect the bank from sanctions
• Ensure responses to internal and external queries fall within agreed turnaround time

Key Performance Indicators:

• Credit quality – ratio of non-performing loans to performing loans
• Internal and regulatory audit ratings (number of infractions & sanctionable offences)
• External credit rating
• Effectiveness of policies and processes developed in limiting credit defaults
• Promptness and timeliness in carrying out responsibilities and meeting commitments
• Cost management – actual cost versus budgeted cost

Skills:

• Good analytical skills
• Excellent writing skills
• Good presentation skills
• Good interpersonal skills
• Strong team player and excellent organization skills
• High information/data gathering ability
• Strong attention to details and ability to work under pressure
• Supervisory skills

Job Requirements & Knowledge:

• Proficiency in credit structuring
• Product Development
• Deep industry knowledge
• Sound knowledge of regulatory requirements
• Local Banking Laws

Application requirements:

• Candidate must possess a minimum of a credit in a first degree from a recognized university
• Candidate must have 8 – 10 years banking experience
• Candidates must have a minimum of 5 credits on their Grade 12 results with Mathematics and English included.