Overview

Senior Specialist; Credit Risk (1 Position(s))

Job Location :

Head Office, Hq

Job Purpose:

Responsible for safeguarding compliance in Agribusiness lending practice and assist to limit credit risk exposure to within acceptable parameters with reference to product papers, operating manuals, process flows, policies, procedures, Risk Appetite Statement, Regulatory environment, Environment and Social Impact Management Policy and other respective guiding documents per 2nd line of defense point of view.

Main Responsibilities:

  • Drive and support the identification, assessing, monitoring, and reporting bank’s Credit Risk relating to Agribusiness, social and Climate Risk from a second line perspective on a regular basis.
  • Perform scheduled and event triggered Agribusiness (both wholesale and retail) Credit Portfolio reviews, ensure adequate and effective processes for identification of early warning signs, assess root-cause, engage respective stakeholders, agree remedial actions and timelines.
  • In consultation with Line Manager, partnering with the Credit Directorate, Agribusiness and Credit Environmental and Social Risk segments on Credit Risk matters to ensure business growth is balanced with risk management and controls.
  • Ensure adequate and effective controls and processes governing end to end Credit value chain for Agribusiness portfolio including sustainability agenda.
  • Identify areas of improvement along Agri financing value chain and ensure timely remediation by following-up and engage action owners such that risk management strategy remain adequate and effective. Escalate deviations to appropriate parties as per ERMF requirement.
  • Submission of accurate and timely review and analytics reports to line manager and/or Risk Management forums, highlighting key performance against defined credit quality parameters.
  • Adherence to Combined Assurance Plan, Operating model, Annual plan and Credit Risk Strategy in accordance with realization of expected benefits.
  • Give inputs and participate in periodic reviews of all Credit and Credit risk related Guiding documents including but not limited to Policies, Manual, Risk appetite statement, Combine Assurance Plan, Operating modal, Risk Registers, Annual Plan, Credit Risk Strategy, TORs etc.
  • Act as a focal person for Credit Risk as a second line of defense to contribute to the development, maintenance, and reporting on Climate Related Environment Risk Appetite Statement (RAS) toward aligning with NMB’s Sustainability Program in the field of environmental, social, and human rights impact and risk.
  • Stand in for your line manager (as the case may be) to ensure support/inputs is provided on additional tasks that are warranted occasionally by management.

Knowledge and Skills:

  • Understanding of the Enterprise Risk Management Framework for the Bank
  • Understanding of Agribusiness dynamics and both existing and emerging Credit Portfolio Risks.
  • Good knowledge of agriculture value chains, financing solutions and related macro and micro economic trends.
  • Broad knowledge of applicable statutes, laws and regulations that govern banking and lending activities.
  • Good understanding of Climate Risks Management discipline, Environment & Social regulations (e.g., NEMC/TMDA/) and International Standards and practices)
  • Analytical skills
  • Report writing and presentation skills
  • Excellent communication skills
  • Credit skills

Qualifications and Experience:

  • Bachelor’s Degree in Agri Business or related field
  • A professional certification and/ or proven track of training in Climate Risk, ES&G or Agriculture Value Chain fields.
  • Minimum of 4 years’ experience in Banking Industry especially on Credit, Risk Management, Audit or ESG

    NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving a gender balanced workforce.

    Female candidates and people living with disabilities are strongly encouraged to apply for this position.

    NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it.

    Only shortlisted candidates wiill be contacted.

Job opening date : 04-Jun-2025

Job closing date : 18-Jun-2025

Apply for job