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Equity Bank Limited (The "Bank”) is incorporated, registered under the Kenyan Companies Act Cap 486 and domiciled in Kenya. The address of the Bank’s registered office is 9th Floor, Equity Centre, P.O. Box 75104 - 00200 Nairobi. The Bank is licensed under the Kenya Banking Act (Chapter 488), and continues to offer retail banking, microfinance a...
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Job Purpose: The middle office shall support the business to achieve its objectives by ensuring strict and independent risk management controls in all aspects of Treasury operations. The role shall be guided by the market risk policy and the treasury policies and procedures manual and shall work closely with the finance and risk departments.
People:
- Liaise with subsidiary Treasury office representatives on a regular basis to give guidance and support on risk control and management activities in accordance to the market risk policy and the treasury policies and procedures manual.
- Oversight of all Subsidiary Treasury operations and ensuring that all activities carried out are in line with the group’s strategic objectives.
- To mentor, impart and cascade critical knowledge and skills to treasury staff within the subsidiaries.
Deliverables
- Monitoring adherence of all risk management policies and procedures and reporting of exceptions;
- Review the correctness of the market data loaded in treasury software and take ownership of maintained historical database on yields, exchange rates, volatilities etc.
- Revalue and mark to market of portfolios;
- Carrying out market analysis and articulating short-term view with regard to the bank’s risk profile;
- Participate in risk assessment of new products before dealing is approved;
- Development of robust valuation and risk measurement models for various trading products;
- Daily monitoring of stop loss,dealer limits, tenure limit, counterparty limits etc.;
- Daily monitoring of the blotters on deals booked and advising on any findings;
- Effectively support and supervise the risk profile of dealers’ positions, in line with internal and external risk management and regulatory imperatives;
- Maintain, monitor and report individual dealer, counterparty and open market limits utilization and violations;
- Query and comment on fixed income trades at the point of initiation. Identify the justifications, pricing & stop loss limits before the trade is confirmed;
- Mitigate settlement risks by checking and verifying deal tickets details and highlighting any discrepancies;
- Query and analyse the Treasury P&L to establish trends and deviations from the norm. Investigate further the causes of any significant deviations from the trend and report to head of risk, treasury and finance;
Other Activities
Compilation of Group Treasury Reports. These includes;
- Counterparty placement reports -Weekly
- Limit Breaches – As they occur
- Exemptions awarded – As they occur
- FX exposure report
Qualifications
Qualifications and Experience
- Undergraduate degree in business related field
- ACI operations qualification
- Professional qualifications in Risk from a recognized professional body is an added advantage
- Relevant treasury front/bank office experience of 3 years
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Duties & Responsibilities:
- Develop, update and review risk policies & procedures.
- Collect information and review documentation to ensure that risk scenarios are identified, evaluated, and linked to changes and expectations in the business operating environment.
- Collaborate with other team members to effectively analyze data, summaries, presentations, and process documents to display results and develop risk reports for the regulator, financiers, and other external users.
- Conduct research and identify economic and financial threats and vulnerabilities for business processes, associated data and supporting capabilities to assist in the evaluation of enterprise risk
- Monitor internal and external data points that may affect the risk profile of the bank
- Creating credit portfolio loss models and profitability modelling, forecast and monitor market trends
- Analyze impact on, and risk to, essential business functions or information systems to identify acceptable recovery time periods and resource requirements
- Create or administer training and awareness presentations or materials
- Attend professional meetings, read literature, and participate in training or other educational offerings to keep abreast of new developments and technologies
- Create contingency plans for emergency cases such as a market crash because of a pandemic situation, or government policy change, etc.
- Conduct liquidity, forex, and interest rate stress tests
- Work on ad hoc analysis to support business performance
- Ensure improvement of risk management models as per the recommendations by Basel Committee on Banking Supervision and the CBK.
- Participate in any other risk activities as may be directed by risk managers.
Qualifications
Behavioral Competencies
- High intellectual curiosity
- Ability to establish professional rapport with executives.
- Education and Professional qualifications
- Bachelor’s degree or equivalent in Economics, Finance, Financial Engineering, Actuarial Science or any other highly quantitative but business-related area.
- Professional certification like FRM, FRR, SCR, CFA, CIFA or CPA is added advantage
- 3 years of experience in the bank
- Candidates who can demonstrate a good knowledge and mastery of risk management will be considered.
Technical Skills/Competencies
- Excellent Financial modelling skills.
- Good understanding of international financial reporting standards.
- Ethical Leadership skills, including the ability to manage risk, compliance, and control activities
- At ease with Quantitative subjects such as Statistics, Mathematics, and Econometrics.
- Candidates with a good comprehension of coding in Excel VBA, R or Python desirable.
- IT literacy, Proficient with MS Office i.e., Excel, Word, PowerPoint, SharePoint and Power BI.
- Excellent report writing skills
- Excellent interpersonal skills
- Able to operate in a performance driven organization
- Critical thinking and Problem-solving skills with the ability to analyze complex information to identify the key issue/action and drive resolution.
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Roles and Responsibilities
- Analyse new and existing (under review) processes for risk management purposes.
- Schedule, co-ordinate and guide business process improvement initiatives.
- Review policies and procedures drafted by business and process owners.
- Manage the policies and procedures library.
- Support the BPM Manager in the effective implementation of the Bank’s Business Process Management System.
- Leadership and task team management.
- Train business and process owners in the use of process management tools (flowcharting, risk assessment, process audits etc.).
- Contribute to the wider organization policy, tools and systems development and implementation.
- Support other subsidiaries within the Group in matters processes, policies and procedures review.
Qualifications
- Minimum of a University Degree/Diploma relevant to financial services, ICT environment or any other related field.
- At least 5 years banking experience, 3 of which should have been in Enterprise Risk Management.
- Ability to forge Mission Directed Work Teams for the execution of bank projects.
- Effective application of industry guidelines, bank policies and relevant legal regulations to successfully meet the desired compliance standards.
- Ability to develop and foster relationships within and outside the organisation that advocate for positive change and continuous improvement within the bank’s processes.
- Intimate knowledge of core bank processes.
- Proficiency in Visio, Project and basic MS office tools.
- Knowledge of industry relevant process improvement techniques and disciplines, e.g., Business Process Management, TQM, and Lean Six Sigma.
- Able to collaborate cross-functionally
- Good analytical and communication skills
- Good organizational skills
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Roles and Responsibilities
- Analyse new and existing (under review) processes for risk management purposes.
- Schedule, co-ordinate and guide business process improvement initiatives.
- Ensure policies and procedures are reviewed on time and in accordance with the Group policy for the management of policies and procedures.
- Evaluate and manage the performance of direct reports to achieve a high standard of competence, motivation and service orientation, focusing on the development and retention of talent. Ensure succession plans are in place for key positions within assigned units by ensuring appropriate training and development programs are implemented with a view to capacity building.
- Ensure effective implementation of the Bank’s Business Process Management System.
- Stay up to date with the latest business practices and technologies § Continually recommend improvements and adaptations to existing systems, processes and structures to ensure current and future sustainability of quality service. § Support business process re-engineering to ensure that processes are lean, efficient and effective through the elimination of non-value adding activities and identification of opportunities that support/drive the migration of transactions to economically viable alternative electronic delivery channels.
- Support teams with skills in process excellence, project management, facilitation, problem solving, accelerating transformation and value creation to drive toward required outcomes.
- Oversight management of Process mapping, review and documentation
- Ensure Satisfactory audit ratings and track to closure all action plans arising from risk assessments, ops risk reviews, internal and external audits and regulatory inspections to improve the control environment relating to assigned area.
- Support other subsidiaries within the Group in matters processes, policies and procedures review.
Qualifications
- Minimum of a University Degree/Diploma relevant to financial services or to an ICT environment.
- Product and Process Knowledge
- At least 7 -10 years banking experience, 4 of which should be in Business Process Management.
- Effective application of industry guidelines, bank policies and relevant legal regulations to successfully meet the desired compliance standards.
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Description
Roles and Responsibilities
- Analyse new and existing (under review) processes for risk management purposes.
- Take part in business process improvement initiatives.
- Review policies and procedures drafted by business and process owners.
- Manage the policies and procedures library.
- Contribute to the wider organization policy, tools and systems development and implementation.
Qualifications
- Minimum of a University Degree/Diploma relevant to financial services, ICT environment or any other related field.
- At least 3 years banking experience, 2 of which should have been in a customer contact role.
- Effective application of industry guidelines, bank policies and relevant legal regulations to successfully meet the desired compliance standards.
- Ability to develop and foster relationships within and outside the organisation that advocate for positive change and continuous improvement within the bank’s processes.
- Intimate knowledge of core bank processes. § Knowledge of industry relevant process improvement techniques and disciplines, e.g., Business Process Management, TQM, and Lean Six Sigma will be an added advantage.
- Good analytical and communication skills
- Able to collaborate cross-functionally
- Good organizational skills
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Key Responsibilities & Focus Areas
- Drive growth of sector high quality portfolio in specific Regions,
- Coaching, Mentoring, and hand holding the Relationship officers,
- Participate in formulation of the Sector strategy and ensures its full implementation.
- The custodian of Group Lending policies and procedures in the Region
- Participate in development of Sector Products and reviews based on market needs,
- Seek and manage Partnerships aligned to the Sector objectives,
- Ensure maximum productivity of Sector staff in the branches
- Directs and executes the Organization staff performance management plans,
- Identifying staff gaps, training of new staff and deployment of staff to branches,
- Enhance the Organization culture and core values among the Sector Team members,
- Regional Sector Staff Growth and development, Talent identification and recommendation for alignment to available opportunities,
- Liaison with various Sector internal and external Stakeholders in the Region,
- Drive Sector staff welfare in the Region,
Qualifications
Essential Knowledge
- Excellent understanding of micro finance industry practices. Exhibits an exceptional degree of creativity and resourcefulness. Guides and transfers knowledge to his/ her team.
Key Critical Competencies
- 5 years’ experience as a Pamoja Banking officer
- Excellent interpersonal skills and demonstrated conflicts resolution skills
- Strong coaching skills
- Strong communication, presentation, and negotiation skills
- Self-Driven, an eye for detail and capacity to meet strict deadlines while working under pressure with minimal supervision
- Individual Leadership skills, Excellent Planning and organizing skills
- Mature personality & Team player
- Flexibility and an ability to change focus areas when needed
- Self-motivated and a self-starter.
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Key Responsibilities & Focus Areas
- Drive growth of sector chama investment loan portfolio,
- Participate in formulation of the Sector strategy and ensures its full implementation,
- Coaching, Mentoring, and hand holding the sector staff,
- Actualize implementation of Group Lending policies and procedures,
- Team leads in development of Sector Products and reviews based on market needs,
- Identifying staff gaps, new staff acquisition, training, and deployment to branches,
- Directs and executes the Organization staff performance management plans,
- Liaising with the branch management on Relationship Officers conduct to enhance the Organization culture and core values,
- Sector Staff Growth and development, Talent identification and recommendation for alignment to available opportunities,
- Liaison with various Sector internal and external Stakeholders in the Region,
- Monthly and Quarterly Performance review for Sector staff,
- Undertake any other duties as may be assigned by the Head of Sector.
- Essential Knowledge
- Excellent understanding of micro finance industry practices. Exhibits an exceptional degree of creativity and resourcefulness. Guides and transfers knowledge to his/ her team.
Qualifications
- Key Critical Competencies
- 5 years’ experience as a Pamoja Banking officer
- Excellent interpersonal skills and demonstrated conflicts resolution skills
- Strong coaching skills
- Strong communication, presentation, and negotiation skills
- Self-Driven, an eye for detail and capacity to meet strict deadlines while working under pressure with minimal supervision
- Individual Leadership skills, Excellent Planning and organizing skills
- Mature personality & Team player
- Flexibility and an ability to change focus areas when needed
- Self-motivated and a self-starter
- 2years experience as a business client advisor or credit administrator will be an added advantage
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Roles and Responsibilities
- Identify potential threats and vulnerabilities for business processes, associated data, and supporting capabilities to assist in the evaluation of operational risk.
- Collect information and review documentation to ensure that risk scenarios are identified and evaluated.
- Create and maintain a risk register to ensure that all identified risk factors are accounted for.
- Assemble risk scenarios to estimate the likelihood and impact of significant events on the organization.
- Analyze risk scenarios to determine their impact on business objectives.
- Develop a risk awareness program and conduct training to ensure that stakeholders understand risk and contribute to the risk management process and to promote a risk-aware culture.
- Correlate identified risk scenarios to relevant business processes to assist in identifying risk ownership.
- Validate risk appetite and tolerance with senior leadership and key stakeholders to ensure alignment.
- Identify and evaluate risk response options and provide management with information to enable risk response decisions.
- Review risk responses with the relevant stakeholders for validation of efficiency, effectiveness, and economy.
- Assist in the development of risk response action plans to address risk factors identified in the organizational risk profile.
- Collect and validate data that measure key risk indicators (KRIs) to monitor and communicate their status to relevant stakeholders.
- Facilitate independent risk assessments and risk management process reviews to ensure they are performed efficiently and effectively.
- Maintain and manage operational risk events database both internal and external.
- Identify and report on risk to initiate corrective action and meet business and regulatory requirements.
- Monitor operational risk trends and new developments and prepare risk dashboards.
- Extract and manipulate operational risk data for reporting.
- Participate in operational risk capital computations and optimization.
- Work on ad-hoc analysis to support business performance.
- Perform any other activities as may be directed by the Senior Manager.
Qualifications
Desired Knowledge, Skills, and Ability
- Critical thinking and problem-solving skills with the ability to analyze complex information to identify the key issue/action and drive resolution
- Excellent organizational skills with attention to detail
- Skilled communicator with the ability to influence and motivate others
- Excellent interpersonal skills
- Excellent and effective communication skills, both orally and in writing
- Ethical leadership skills, including the ability to manage risk, compliance, and control activities
- Excellent analytical and math skills with the ability to interpret vast amounts of performance data.
Candidate’s Profile and Qualifications
- A bachelor’s degree major in numerate subjects from a recognized university.
- Must have scored a performance rating of 3.5 and above in the last performance appraisals
- A risk-related professional qualification
- CPA(K), and ACCA qualification is an added advantage.
- At least 8 years of working experience in a banking environment with 3 years in the enterprise risk environment and execution in operational risk management.
- Proven ability to analyze complex business issues and identify, design, and implement effective practical recommendations
- Advanced skills in Microsoft Office – Excel, SQL, Access, PowerPoint, and Programming skills.
- In-depth knowledge of risk controls and the regulatory environment and key regulatory regimes
- Able to operate in a performance-driven organization
- Culturally aware and adept at working across multiple geographies
- Knowledge of French is an added advantage
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ROLES AND RESPONBILITIES:
- Complete a thorough, in-depth analysis of new credit requests, credit change requests, renewals and restructure and make recommendation for presentation to the Credit Committee
- Liaise with employers in confirming the status of employees in reference to terms of employment and if any reservation.
- Accuracy of data capture in 3rd party systems/data base i.e. online booking of loans especially Teacher service commission through their data base for easier administration and reporting.
- Cary out competitor’s matrix and advice to remain competitive in the market.
- Observing the Memorandum of understanding between the employers and the Bank to ensure smooth loan administration.
- Achieve Turn-Around-Times (TATs) per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Credit Risk from branches.
- Maintain a good working knowledge of the Bank’s lending policies and procedures and identify exceptions to policy.
- Ensure that all credit files are complete, identify any documentation deficiencies, and report to Relationship Officer ,Credit Admin & BHOC as needed for timely resolution.
- Review loan files as needed to ensure quality, consistency, and compliance with lending guidelines.
- Review of excess request due to inward cheques on a timely manner while mitigating on credit risk.
- Provide technical advice or other assistance to loan officers as needed.
COMPETENCIES:
- Able to adjust quickly to different work situations; remain composed under pressure and stressful situations.
- Must be able to understand employment income and documentations on the same and understand financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) where one consider incomes from both and apply those skills as they pertain to the loan underwriting process.
- Must be able to understand the government policy on consumer lending in relation to 1/3 rule policy.
- Must be able to understand the market trends and changes in the employment industry.
- Must be organized, efficient, and able to work independently and be detail oriented in order to generate accurate reports.
- Attention to Detail is Key: Regard for all important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and meet strict deadlines.
- Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
- Principled and self-confident.
EDUCATION AND SPECIAL REQUIREMENTS:
- Bachelor’s degree preferably in business, finance or accounting.
- At least 5 years of credit experience in lending.
- Must be a top performer- Average rating of 3.0
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Job Purpose
The role will evaluate business and system performance and the expected outcomes, evaluating quality controls to see how effective they are and identifying the possible errors. These evaluations have to be communicated to the management to enable them to make informed decision in regards to the business.
Duties and Responsibilities
Perform Business Analysis, Manage & Reduce Risk
Business Performance Analyst will work with knowledgeable colleagues in various departments in Diaspora Banking to define, design and develop analytic solutions to improve optimization and mitigate risks.
Apply timely, accurate and consistent understanding of risks across the Diaspora Banking and Remittances to predict and gauge operational risks, Credit risks and Market risks.
Combine data from multiple sources like Core Banking systems, International money transfer services provider’s business portals, current affairs happening to respond to high level business needs.
Improve Operational Efficiency
- Business Performance Analyst will provide insight into which operations in Diaspora Banking and Remittances can become leaner but more efficient and help manage profitability planning, analysis and reporting by each product and customer segment.
- Business Performance Analyst will from time to time improve operational efficiency by providing insight into the operations of Diaspora Banking and its subsidiaries to become more profitable.
- Will proactively suggest areas that require further analysis to generate more ideas for improvements.
- Will work closely with the Senior Business Performance Analyst and other team members to capture data requirements and present final analysis to the stakeholders and the senior management.
Increase Profitability
- Business Performance Analyst will provide to the management with the insights it needs to understand its customers and determine whether the products provided meet their needs.
- Will create standardized analytical tools to obtain relevant data from the Banks database for the purposes of data reporting and analysis and thereby develop and maintain complex analytical reports and dashboards.
Increase Customer Services and Satisfaction
- Business Performance Analyst will provide insights to understand diaspora customers and determine whether the products that are offered by the Bank are meeting customers’ needs.
- Will help provide a single view of the customer for service, sales, marketing or risk purposes and facilitate more effective cross-selling of products to the existing customers.
Qualifications
Broad technical understanding (performance analyst)
- Stays abreast of industry developments to make cost effective use of new and emerging tools and technologies. Keeps up to date with advances in digital analytics tools and data manipulation products.
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Key Responsibilities & Accountabilities
- Drive profitable revenue growth of the product with a focus on deepening existing customer relationships to increase customer uptake.
- Provide strategic direction for inter country payments through customer support, competition mapping & promotional programs to effectively compete in the increasingly disruptive digital payments space.
- Ensure risk and compliance issues are identified, assessed, monitored, controlled, and reported by monitoring intercountry transactions on daily basis.
- Work with cross-functional teams (i.e. Marketing, Treasury, Operations and Shared services) to develop and execute a consistent multi-brand strategy to grow affinity levels by implementing brand awareness campaigns that resonate with customers.
- Conduct product training across the Branches and other support centers
- Act as a liaison, provide product/services information, and answer questions.
- Respond to Branch and contact center support Calls.
- Receive support requests through Oracle service cloud and close as per SLA and P&P
Qualifications
Education & Qualifications – Requirements
- Bachelor’s degree in a mathematics discipline or related field from a reputable institution is preferred with a post graduate training in financial services, Risk Management and or compliance as an added advantage.
- Experience in working within a big-data analysis environment with the use of SQL /advanced Excel etc.
- 2 years’ successive employment in a busy financial organization, with strong understanding of overall banking operations, systems, and processes.
- At least one year experience in KYC and AML Compliance in a regional commercial bank.
- 2 years’ experience in interaction with banking systems in remittances and payments.
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Key Deliverables - Roles & Responsibilities:
The officer will among other duties assist the unit manager on the following:
Training Duties:
- Training Coordination & Meeting Logistics in conjunction with HR and Administration Departments
- Preparing communication drafts for training/meeting invites.
- End of Training Evaluations and Analysis
- Training Reports and filing of periodic returns
- Occupational Safety Health (OSH) monitoring and compliance
- Initiating procurement of consumable requirements
- Facilitating processing of staff mileage and subsistence expense claims
- BCP implementation and monitoring for compliance
- Staff Leave Days Management – Monitoring and reporting for Compliance with HR Policy guidelines.
- Air tickets and travel imprest processing
- Verification of staff travel expense claims
- Basic office maintenance and repairs in conjunction with facilities department
- Sector/Unit Budgets Monitoring and Cost Management compliance
- Participate in task forces set up by management on emerging issues like Covid-19 mitigation strategies.
- Other related duties as may be assigned by supervisor/s
Key Performance Indicators (KPI)
- Timely and well-coordinated Training Programmes and Meetings
- Inspection of Training and Meeting Venues in Conjunction with Administration Staff
- Timely compilation and filing of reports after every training.
- Timely procurement of critical office supplies
- Monitoring and compliance to Fire and Safety Mitigation Guidelines (OSH)
- Timely processing of staff expense claims
- Represent Supervisor in tender for supply of products and services reviews.
- Timely drafting of training budgets and follow ups on approvals.
- Timely Analysis of Leave Days Data and Preparing Draft Reports to Supervisor.
EDUCATION AND SPECIAL REQUIREMENTS:
- Bachelor’s degree preferably in business related studies
- Must be a top performer- Average rating of 3.0
- At least two years experience in the Bank
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ROLES AND RESPONBILITIES:
- Complete a thorough, in-depth analysis of new credit requests by use of Finales, credit change requests, renewals and restructure and make recommendation for presentation to the Credit Committee
- Undertake Industry analysis--key economic characteristics, historical context, profit drivers, business risks
- Ensure all risk areas for customers/businesses are identified and duly mitigated during the appraisal process e.g., Default (Credit) Risk, Operational Risk, Market Risk, Regulatory Risk, Reputational Risk etc. in addition to PESTEL & SWOT Analysis.
- Deliver quality, detailed credit analysis while providing efficient, timely service to customers
- Achieve Turn-Around-Times (TATs) per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Credit Risk from branches.
- Maintain a good working knowledge of the Bank’s lending policies and procedures and identify exceptions to policy.
- Ensure that all credit files are complete, identify any documentation deficiencies, and report to Branch Head of Credit and Credit Admin as needed for timely resolution.
- Review of excess request due to inward cheques on a timely manner while mitigating on credit risk.
- Make recommendations for credit policy review (at product and/or process levels.
- Provide technical advice or other assistance to loan officers as needed.
COMPETENCIES:
- Must be able to understand financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and the trends to determine business financial soundness and viability and apply those skills as they pertain to the loan underwriting process.
- Analyze client request in line with the industry benchmark and trends.
- A fair understanding of current issues including macro and micro economic environment.
- Must be organized, efficient, and able to work independently and be detail oriented in order to generate accurate reports.
- Attention to Detail is Key: Regard for all important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and meet strict deadlines.
- Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
- Able to adjust quickly to different work situations; remain composed under pressure and stressful situations.
- Principled and self-confident.
EDUCATION AND SPECIAL REQUIREMENTS:
- Bachelor’s degree preferably in business, finance or accounting.
- At least 8 years of credit experience in lending. Branch Heads of credit experience will be key though Business Client Advisors with above 3 years in Business Banking lending are encouraged to apply.
- Must be a top performer- Average rating of 3.0
EDUCATION AND SPECIAL REQUIREMENTS:
- Bachelor’s degree preferably in business, finance or accounting.
- At least 3 years of credit experience in a similar role if coming from another institutions or in Branch.
- Must be a top performer- Average rating of 3.0 if joining credit risk from the branch
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ROLES AND RESPONBILITIES:
- Complete a thorough and in-depth analysis of new credit requests using Financial analysis work sheet (Denic), credit change requests, renewals and restructure and make recommendation for presentation to the Credit Committee.
- Sanction Group Lending System (IGLS) applications in the system.
- Review and in-depth analysis of new credit requests initiated through Experian Scoring System and Newgen.
- Deliver quality, detailed credit analysis while providing efficient, timely service to customers.
- Achieve Turn-Around-Times (TATs) per agreed Service Level Agreements (SLAs) for assessment of Credit Applications referred to Credit Risk from branches.
- Maintain a good working knowledge of the Bank’s lending policies and procedures and identify exceptions to policy.
- Ensure that all credit files are complete, identify any documentation deficiencies, and report to Branch credit officer and credit administration as needed for timely resolution.
- Review loan files as needed to ensure quality, consistency and compliance with lending guidelines.
- Review of excess request due to inward cheques on a timely manner while mitigating on credit risk.
- Provide technical advice or other assistance to loan officers as needed.
COMPETENCIES:
- Able to adjust quickly to different work situations; remain composed under pressure and stressful situations.
- Must be able to understand financial data (Balance Sheets, Income Statements, Cash Flow Statements, Financial Ratios, etc.) and the trends to determine business financial soundness and viability and apply those skills as they pertain to the loan underwriting process
- Must be organized, efficient, and able to work independently and be detail oriented in order to generate accurate reports.
- Attention to Detail is Key: Regard for all important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and meet strict deadlines.
- Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.
- Principled and self-confident.
EDUCATION AND SPECIAL REQUIREMENTS:
- Bachelor’s degree preferably in business, finance or accounting.
- At least 3 years of credit experience in a similar role if coming from another institutions or in Branch.
- Must be a top performer- Average rating of 3.0 if joining credit risk from the branch
EDUCATION AND SPECIAL REQUIREMENTS:
- Bachelor’s degree preferably in business, finance or accounting.
- At least 3 years of credit experience in a similar role if coming from another institutions or in Branch.
- Must be a top performer- Average rating of 3.0 if joining credit risk from the branch
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Job Responsibilities/ Accountabilities:
- Review the business unit’s Risk Profile;
- Extract and manipulate risk data;
- Management of Operation risk, IT risk, Compliance risk, and Reputational risk ;
- Evaluation of risk culture;
- Creation of risk register and Risk library;
- Support in the preparation of Risk Control Self Assessment (RCSA);
- Measurement of KRIs and preparation of Dashboards;
- Loss data modeling;
- Risk management in non- banking subsidiaries;
- Management of Risk database;
- Assist in Operational risk Capital optimization;
- Work on ad hoc analysis to support business performance;
- Assess new risk developments for the subsidiaries and the Group;
- Develop risk reports for the regulator, financiers, and other external users;
- Assist in the development of the Risk framework in the group.
- Assist in operational risk modeling and model validation.
- Assist in the development and review of both policies and procedures;
- Assist in ICAAP Update
- Provide project support such as OFSAA and to any other department
- Participate in any other risk activities as may be directed by risk managers;
Qualifications
Essential Knowledge
- Knowledge and understanding of risk control arrangements.
- Knowledge of the regulatory environment and key regulatory regimes
- Understanding of financial and strategic planning.
- Proven ability to oversee a number of risk types, ideally including credit, market, operational, investment, regulatory, and strategic risk and specifically liquidity, refinancing, concentration and counterparty risk.
- knowledge of best practice risk management and governance frameworks, methodologies, and emerging practice
Method of Application
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