Overview
Job Description
Responsible for Retail Banking portfolio in safeguarding compliance in lending practice and assist to limit credit risk exposure within acceptable parameters with reference to Enterprise Risk Management Framework (ERMF) per 2nd line of defense point of view.
Roles & Responsibilities
•Drive and support the identification, assessing, monitoring, and reporting bank’s Credit Risks relating to Retail banking business segments from a second line perspective on a regular basis.
•Facilitate scheduled event triggered respective Credit Portfolio reviews, ensure adequate and effective processes and procedures for identification of early warning signs, assess root-cause, engage respective stakeholders, agreed remedial actions and timelines as well as ensure closure of agreed remedies.
•Update and monitor credit-risk related key risk registers, KRI, testing of controls by designated risk champions (RCSA), validating control test results from a second line control perspective (Conformance Review) and channeling feedback to appropriate parties.
•Drive and support the identification, assessing, monitoring, and reporting bank’s credit risk environment from a second line perspective on a regular basis.
•Perform scheduled and event triggered portfolio reviews and to identify early warning signs prompt, assess root-cause, engage respective stakeholders, agreed remedial actions and timelines.
•Follow-up and engage action owners to ensure prompt and adequate closure of all agreed actions/ remedies such that risk management strategy remain adequate and effective. Timely escalate deviations to right forums for right decisions and enhanced oversight.
•Implement adequate/effective controls and monitoring processes for end-to-end collateral reviews and management process to ensure proper management of the same as fallback position for credit facilities.
•Help Assistant Credit Risk Manager to ensure submission of correct and prompt reports to Risk Management forums and other stakeholders (within agreed/ specified timelines), highlighting performance against defined credit quality parameters.
•Be a credit risk champion in assigned business segments process and projects related activates and ensure Credit Risk interest is well considered. Give feedback to Head Credit Risk from time to time to ensure sufficient alignment.
•Monitoring, measuring and reporting about the efficacy of the bank’s credit risk internal controls. including showing clear lines of accountability and authority to ensure an effective credit risk management process.
•Stand in for Assistant Credit Risk Manager (as the case may be) and ensure all other tasks assigned from time to time are delivered prompt and adequately per expectation of management.
QUALIFICATION AND EXPERIENCE REQUIRED
•Bachelor’s degree in accounting, Finance or any related field.
•Professional Qualifications; – CPA
•Other qualifications; – MBA, CPA, Data Analytics
•1 to 3 years of experience in similar positions.
•Experience in Report Writing and Data Analytics
•Ability to work independently and as part of a team in a fast-paced environment.
•Good analytical and problem-solving skills.
•Proficiency in Microsoft Office Suite (Excel, PowerPoint, Word).
