Credit Risk Reviewer

About the job

Technical Competencies:

Excellent credit assessment and analytical skills. Understanding of credit products and knowledge of industry best practices. Proficient in computer skills/Power Point presentations

Behavioral Competencies:

Excellent communication skills (written and verbal) and detail oriented. Fully capable of working under pressure and meeting deadlines.

Experience:

Minimum 12 years in Credit Risk Management, primarily covering corporate portfolio, with preferably 3 years in the Credit Risk Review function. Experience of Corporate/Commercial relationship management will be an advantage.

Ke Key Responsibilities & Main Duties:

Duties:

• Support the Head of Credit Risk Review in assessment of the following:
• Adequacy, effectiveness and efficiency of Bank’s Credit Risk Management processes.
• Quality of credit proposals with respect to due diligence related to borrowers’ character, management, track record, industry fundamentals, key risks and success factors, financial analysis (historical & projections where required), repayment capacity and problem recognition.
• Credit facilities have been appropriately structured.
• There is no violation of internal policies and regulatory requirements. If so, these have been identified and appropriately approved.
• Quality of credit portfolio and processes. Recommend improvements where needed.
• The macroeconomic situation and outlook.
• The accuracy of risk ratings and classifications.
• Finalize the audit reports within defined timelines.
• Check compliance with various portfolio limits, risk acceptance criteria (RACs), risk appetite statements and limits, etc.
• Participate in regular as well as special audits when requested by the regulator & senior management.
• Track/follow up on remediation with respect to findings issued during internal, external and regulatory audits.
• Liaise with risk, compliance, & associated control functions of the Bank where needed to assess the emerging risks impacting the Bank’s control environment along with the mitigation strategy.
• Periodic travel to the countries of the branches/subsidiaries being reviewed.
• Attain ‘general conformance’ rating in Credit Risk Review function.
• Maintain a professional relationship with all stakeholders. Interact with senior management and be able to present and articulate findings and recommendations.

Education:

• Qualified Chartered Accountant (Associate/ Fellow member) or;
• Master’s of Business Administration

For exceptional candidates, Bachelor’s degree in Business Administration (accounting