Credit Enterprise and Risk Manager

Credit Enterprise and Risk Manager

Brent metamorphosed from Skyfield Savings and Loans Ltd that started operation in 2002 with N200million Capital base, which was increased to N1billion in 2007. In April 2010 new management and reconstituted board took over the organization. Structure and Strategy to engender growth and good corporate governance were emplaced. The new management moved the...

Credit Enterprise and Risk Manager

• Job Type Full Time
• Qualification BA/BSc/HND , MBA/MSc/MA
• Experience 10 years
• Location Lagos
• Job Field Risk Management and Compliance

Responsibilities

• Planning, designing, implementing & managing the overall risk management process for the bank by developing the risk management framework, policies, processes, procedures and reporting standards that define the bank’s risk strategy and appetite in line with its overall business objectives
• Monitor the business development for emerging risks and recommend policies and procedures to improve the risk management process
• Facilitate the identification, assessment, measurement, monitoring, controlling and reporting the level of risks
• Maintain oversight over the bank’s enterprise risk management activities
• Provide support, education and training to staff in order to create risk awareness
• Ensures proper documentation of credits by adhering to set documentation standards and procedures
• Define credit approval framework and recommend credit approval limits in line with banks’ policy
• Analysis and appraisal of Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines
• Conduct periodic stress tests and scenario analysis, assessing the impact to the Bank’s credit portfolio and make appropriate recommendations to senior management for appropriate action
• Support the loan remediation team, in negotiating work out plans and strategies for delinquent customers and provide additional support with respect to exposures requiring collection agencies or legal action
• Review and analyze the delinquent portfolio to identify key causal factors, make recommendations and track them to ensure adequate and timely closure
• Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate
• Prepare timely, comprehensive and reliable credit risk reports to senior management and board regularly
• Flexibility to carry out any other task as requested by Management

Requirements

• HND / B.Sc / in Accounting, Economics or a related field

• Masters in Risk Management, Finance, Accounting or related field is a plus

• Minimum of 10 years’ experience and at least 5 years in a similar role in a financial institution specifically in mortgage banking

• Must have Mortgage Banking experience

• Key Skills

• Outstanding communication (written and verbal) and interpersonal abilities

• Strong marketing and public relations skills

• Good team player with excellent leadership traits

• Planning and organization skills

• High degree of professionalism, maturity and confidentiality

• Strong interpersonal and presentation skills.

• Strong analytical and problem-solving skills.

• Ability to work within and manage a team of professionals, guiding and coordinating

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