The purpose of this role is to manage the Credit Risk of the Corporate and Institutional Banking portfolio, through
continuous monitoring and control of performance, covenants and securities, early identification of warning signs, recommending and taking of remedial action including restructures/ reorganization and/or managed exits to maintain a healthy loan portfolio.

Primary Responsibilities

• Underwrite and structure credit proposals, including large and complex credits to align customer requirements with the cash flows and repayment ability, identifying key risks and their mitigation under the Corporate and
  Institutional Banking Segment and recommending to the CRMC/BCC/Board for sanction, while maintaining the highest credit management standards within the Bank’s Policies and CBK regulations and agreed service levels.
• Approve credits within delegated authority and provision of quality control for credits above delegated authority.
• Ensure consistency in meeting established turnaround times for delegated credit approvals (Corporate and Institutional- Banking) while maintaining full compliance with risk management guidelines.
• Provide support to Group Credit for reviewing and recommending to GCMC Group Credit proposals requiring GCMC approval.
• Underwrite Treasury and Trade Finance limits for Financial Institutions in compliance with the counterparty and country risk policies.
• Review of financial and market risk information for the empaneling of Insurance companies for insurance risk mitigation.
• Preparation of portfolio monitoring reports for presentation to the CRMC and BCC as well as ad hoc reports to the regulator and DFIs.
• Periodic review of customer information (including covenants and securities) and account performance through daily monitoring reports, audited/management accounts, client visits, industry reviews, economic reviews, market research and trend analysis to identify early warning signs to recommend/take remedial action including restructures/reorganization and/or managed exits to maintain a healthy loan portfolio.
• Mitigate credit risk by maintaining up to date insurance, valuations, covenants, annual returns, land rent and rates, property leases etc.
• Implementation of credit approval decisions through verification of the documentation and contracting of all terms and conditions with the customers as Authorized signatory/Bank’s power of Attorney (POA).
  Formulate, test and implement risk mitigation models such as Insurance review models, CAMELS model, risk rating
  models etc.
• Recommend updates to the credit policies and procedures in line with changes in the lending environment.
• Gap identification and UAT for all credit solution enhancements, test of new functionalities and products.
• Coordinate and influence of key stakeholders within the other functions on credit related matters.
• Training staff on credit analysis ensuring positive coaching, mentoring and transfer skills.

Person Specifications

• University Degree preferably in finance related field from a recognized institution e.g. Finance, Business Administration, Economics, Mathematics / Statistics, or related field.
• At least 8 years relevant experience.
• CPA, ACCA, CFA, Credit Management, AKIB/ACIB or related field.
• Excellent communication (both written and oral) and interpersonal skills with a hands-on attitude and approach.
• Strong drive towards collaboration and ability to develop positive relationships with key business stakeholders and demonstrate respectful, constructive negotiating skills.
• Able to analyze and interpret financial data to make appropriate business suggestions and decisions with accountability.