Job Purpose: To provide support in Credit Risk Management with the main effort of mitigating risks involved in lending. This will be mainly done through reviewing the credit Application and identifying the core risks involved per application, raise the risk issues in a report for the relationship managers to rectify and respond.

To provide support to Head of Risk through regular credit risk reviews including stress testing and reporting to the Executive Management, Risk management Committee (RMC).

Reports to : Chief Risk Officer

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 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 annual review of 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 bank’s losses.
• Review weighted assets and capital figures to determine capital adequacy ratios established by the regulator to reduce on compliance risk.
• Preparation of credit risk report to RMC on a monthly basis and Board Risk Management Committee on the 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, portfolio at risk, concentration etc from time to time.
•  Carrying out regular credit stress tests
• Establish credit portfolio performance trends from time to time and report on the health of the portfolio.

Education:

• A university degree in any field.  Professional qualification in Treasury function is an added advantage.

Experience.

• A minimum of 3 years’ related banking experience.

Skills and competencies.

• Good communication skills
• Team player
• Networking skills
• Attention to detail