To assist BCB in achieving their asset growth targets by providing effective value adding risk management, whilst maintaining a quality-lending book, through judicious and effective management thereof.

• The delivery of a professional service to the business units, by assessing and evaluating credit facilities (new and/or existing) based on sound credit & financial principles while minimising risk to the bank.
• Credit digitization and re-engineering by providing input to, support and drive the implementation of strategic initiatives and tactical solutions across the credit lifecycle to drive continuous improvement of procedures, processes, and systems
• Evaluates whether proposals meet sound business criteria and credit risk falls within acceptable parameters, approve and recommends appropriate credit facilities including terms or conditions of facilities.Drive initiatives to apply the benefit of scoring to reduce the amount of intuition required in decisioning credit applications.
• Identifies, quantifies and evaluates sources of risk in relation to profitability of business proposals and financial viability of lending requests through probing and interrogation
• Utilizes industry risk analysis available to identify and understand contextual threats to existing and potential clients. Ensure timely and quality credit assessment and decision are made.
• Support Business in increasing the uptake of prescored lending. Build relationships with various stakeholders in business and credit to improve quality of lending requests and turnaround time of extending credit to borrowers.

Qualifications

• First Degree Finance, Accounting, Statistics, Mathematics or Data science
• 5-7 years banking experience, particularly pertaining to credit risk management, banking processes i.e. banking products and the operation thereof.
• Detailed understanding of accounting, including both management and financial accounting, to analyse the financial strength and weaknesses of clients, and identify potential risk to Credit proposals.
• Thorough working knowledge of the operating system and its related procedures for analysing the account behaviour of clients, identifying trends or shift in credit risk profiles and the management of excesses.
• Thorough understanding of all the Bank’s product facilities that give rise to counterparty credit risk, including their mechanisms and source profitability for the client and the Bank.

Additional Information

Behavioural Competencies:

• Articulating Information
• Challenging Ideas
• Conveying Self-Confidence
• Convincing People
• Directing People
• Examining Information
• Exploring Possibilities

Technical Competencies:

• Customer Understanding (Business and Consumer Banking)
• Analytical thinking
• Numerical
• Financial Acumen
• Process Governance
• Risk Identification
• Risk/ Reward Thinking