Job Purpose: To provide support through regular credit risk reviews including stress testing of the Bank’s credit portfolios.

Key Responsibilities:
• Review, assess and analyses credit applications to identify risks and key risk indicators involved in financial data and customer portfolio.
• Assessment of Industry/ Sector credit risks and performance to guide prioritization of business efforts.
• Support the recovery team where need be with recovery efforts in regards to client visits and loan classification efforts
• Assess the quality of the overall loan portfolio through trends and other analytical risk indicators, to improve credit collections and recoveries.
• Periodic generation on credit risk reports, stress tests and scenario analysis as per required content on portfolio at risk for presentation to Risk Management Committee
• Ensure all lending decisions confirm within the laid down policies and procedures
• To ensure all loans are appropriately approved and signed off in accordance with the credit risk policy
• Discuss credit proposals with the required heads of departments for risk issues identified
• Participate in projects as delegated from time to time such as the annual review of the credit portfolio
• Recommend processes of maintaining an efficiency control system of the bank through continuous review of the policies, procedures, limits, and how staff members comply with them.
• Liaise with the legal department on any credit-related risk so as to find solutions to mitigate the bank’s losses
• Review weighted assets and capital figures to determine capital adequacy ratios established by the regulator to reduce compliance risk.
• Preparation of credit risk report to RMC on a monthly basis and Board Risk Management Committee on a quarterly basis or as and when required and submit to Head of Risk for review.

Financial transactions and statements capabilities;
• Review of Credit Performance Ratios such as NPA, and portfolio at risk concentration from time to time.
• Carrying out regular credit stress tests on different based
• Establish credit portfolio performance trends from time to time and report on the health of the portfolio.

Education.
• A Bachelor’s degree in a relevant discipline
• A professional qualification in the Treasury function is an added advantage.

Experience:
• A minimum of 3 years’ experience in a similar role in a financial institution.

Skills and competencies.
• Good communication skills
• Team Player
• Networking skills
• Attention to detail