Regional Credit Approvals & Portfolio Management
Job Purpose Statement
To support the Group Director, Credit Risk
Management in developing and implementing a prudent credit risk framework in
support of the bank’s objectives of building a balanced credit risk portfolio
within the Regional Subsidiaries. The credit portfolio covered includes
Corporate, Financial Institutions, Business Banking and Consumer above the
discretion of country management. The role in Credit Risk entails working
closely with various stakeholders in business units, credit risk, enterprise
risk and legal as necessary to develop risk appetite at a policy level and on
transaction review, strategies for credit originations in various channels, to
achieve profitable growth while maintaining credit risk within acceptable
levels. The role will also be responsible for independent review and monitoring
of the regional subsidiaries portfolio and provide portfolio insights on the
quality, risk levels and intervention required to the regional credit and
business teams. This entails the management and governance of the credit
portfolio from inception till repayment throughout the credit life cycle
Ideal Job Specifications
Academic:
- Relevant undergraduate degree.
- Appropriate Masters Level or Post
Graduate Qualification.
Professional:
- Relevant professional
qualification in Banking, Accountancy, Credit Analysis (Certified
Financial Analyst) and Credit / Risk management.
Desired Work Experience:
- A minimum of 10 years of
experience in Credit Risk Management, Corporate lending, or other relevant
areas of practice preferably in the Banking sector out of which 5 years
should be at Management level.
- Experience on regional lending
and appraisal of country risks as well as syndicated lending; both
in-country and regional.
- Exposure to Credit, Market and
Operational Risk dimensions, Basel implementation, IFRS 9 implementation,
ICAAP etc.
- Econometric experience (e.g.,
competence in understanding key macro drivers of credit risk, customer
behaviour and lending strategy)
- The ability to conduct complex risk
analyses and provide senior management with business insights of consumer
credit quality and behaviour trends, and portfolio performance.
- Strong communication skills
(written and oral) and the ability to articulate complex issues at an
intuitive level to a non-risk audience
- Ability to think creatively – to
challenge the norm and drive through solutions in the face of adversity
and challenge.
How to Apply
