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Credit Risk Manager

1 month ago

Lagos, Nigeria Davo Dani MFB Full time

Responsibilities:

  • Planning, designing, implementing & managing the overall risk management process for the bank
  • 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 of the level of risks
  • Maintain oversight over the bank’s enterprise risk management activities
  • 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 the banks’ policy
  • Analysis and appraisal of Individual credit requests under approved policies and procedures
  • Conduct periodic stress tests and scenario analyses, assessing the impact on the Bank’s credit portfolio and make appropriate recommendations to senior management for appropriate action
  • Support the loan remediation team, in negotiating workout plans and strategies for delinquent customers
  • Monitor violations of credit policies, and provide analysis, conclusion, and recommendations
  • Prepare timely, comprehensive, and reliable credit risk reports to senior management and the board regularly
  • Responsible for monitoring and classifying portfolios
  • Analyze credit data to determine the risk of extending credit or lending money on every transaction.
  • Responsible for researching to monitor market trends, assess risk severity, and make adequate forecasts for product and policy development.
  • Prepare a detailed written credit summary of commercial applicants requesting credit
  • Support business unit goals by continuous identification of process improvements and efficiencies that reduce costs and improve customer service level
  • Evaluate risk business decisions and make recommendations
  • Provide support, education, and training to staff to create risk awareness
  • Enforce regulatory compliance in line with company procedures, policies, external regulatory bodies, and industry best practices.

Requirements:

  • Minimum of 5 years relevant work experience in Risk Analysis, Auditing, Internal Control, and related fields
  • Bachelor’s degree in Business Administration, Economics, Accounting etc.
  • Professional affiliation or membership with relevant institutions
  • Evidence of completion of the Microfinance Certification program
  • Ability to foster a cooperative work environment
  • Ability to work with minimal supervision
  • Good analytic, report writing, and problem-solving skills
  • Good understanding of the business process

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