Overview

NATURE AND SCOPE:

The Job holder reports to the Head of Risk and Compliance.  He/She is responsible for working as part of the credit risk team to review and report/recommend projects across the bank.  He/She also assists the Head of Risk and Compliance to prepare and review risk management reports and ensure limit excesses, exceptions and non-compliance are promptly addressed.

KEY RESPONSIBILITIES:

• Review all customer credit applications.
• Prepare reports on the bank’s limits and concentrations exposure.
• Prepare reports on the effectiveness of the monitoring of credit facility and program limits to ensure that they are observed and excesses are promptly addressed.
• Prepare reports on the adequacy and appropriateness of the information used in the evaluation of the customer Credit applications.
• Assist in the preparation of early warning and other credit reports.
• Review the Management Information System to determine and advise on possible related risks.
• Assist in ensuring the development and improvements of various risk measurements, methodologies, and techniques used for the quantification and reporting of the bank’s Credit Risks.
• Assist in the development of an appropriate pricing methodology for all the bank’s credit products.
• Assist to develop mechanisms to ensure that the bank’s credit risk decisions are based on transparent, accurate, and rigorous analytics.
• Perform any other duty as may be assigned by the Head of Risk and Compliance from time to time.

GENERAL COMPETENCIES

• Ability to develop action plans to achieve work outputs, identify resources required, and implement the action plan.
• Ability to review business outcomes with colleagues and the Manager from time to time.
• Ability to identify areas where the bank can be more effective, and propose plans to implement these changes.
• Ability to take responsibility for meeting client needs.
• Demonstrates trust in working with colleagues. Gives open and constructive feedback.
• Ability to analyze the process required in undertaking a piece of work in order to plan tasks
• Ability to define and adapt own activities with the time required.

FUNCTIONAL/TECHNICAL COMPETENCIES

• Ability to evaluate credit application proposals and compare projects constructively.
• Ability to think critically.
• Ability to analyze and interpret financial statements and data.
• Ability to understand markets of different products and evaluate its potentials.

QUALIFICATION, KNOWLEDGE, EXPERIENCE

• University Graduate in Business Administration, Economics, Finance, Accounting, Banking, or related discipline.
• Minimum of 3 years experience in credit risk assessment and relationship banking at the Officer level.
• Strong analytical report-writing skills.
• Computer skills.