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Credit & Risk Officer

1 month ago

Lagos, Lagos, Nigeria Mkobo Microfinance Bank Limited Mkobobank Full time

Job Summary: We are seeking a highly skilled Risk Management Specialist to join our team. The primary purpose of this position is to ensure the bank's operations are properly designed, documented, and managed.

Job Role Description:

  • Oversee the planning, designing, implementing, and managing of the overall risk management process for the bank.
  • Monitor emerging risks and recommend policies and procedures to improve the risk management process.
  • Develop methods to generate a robust system to identify, monitor, manage, and control credit, market, and operational risks.
  • Facilitate the identification, assessment, measurement, monitoring, controlling, and reporting of risk levels.
  • Work with senior management to provide support, education, and training to staff in order to create and increase risk awareness.
  • Ensure proper documentation of credits by adhering to set documentation standards and procedures.
  • Ensure the approved credit framework and recommend credit approval limits in line with the bank's policy.
  • Analyze and appraise individual credit requests in accordance with approved policies and procedures.
  • Conduct periodic stress tests and scenario analysis to assess the impact on the bank's credit portfolio and make recommendations to senior management.
  • Review and analyze the delinquent portfolio to identify key causal factors, make recommendations, and track them to ensure adequate and timely closure.
  • Responsible for loan recovery, such as negotiating work-out plans and strategies for delinquent customers.
  • Monitor violations of credit policies, provide analysis, and make recommendations to senior management.
  • Prepare timely and comprehensive risk reports to senior management and the board on a regular basis.
  • Carry out any other task as required from time to time.
  • Monitor non-performing loans and ensure proper follow-up.

Key Responsibilities:

  • Risk management and credit risk analysis.
  • Debt repayment and asset recovery.
  • Portfolio at risk and credit monitoring.
  • Non-performing loans and past due obligations review and recovery.
  • Knowledge of debt recovery policies.

Requirements:

  • Minimum of HND or Degree in Finance, Accounting, Economics, Business Administration, etc. from a reputable University or Polytechnic.
  • Minimum of 3-4 years working experience in credit, loan, and asset recovery activities.
  • Hands-on experience working in a microfinance and/or fintech space.
  • Strong planning, organizational, and time management abilities.
  • Experience in database management.
  • Postgraduate degree or MCIB is an added advantage.
  • Minimum of two years' experience in a similar role at a MFB or financial institution.
  • Awareness of emerging and innovative credit risk assessment, specifically social scoring, alternative credit scoring, and big data analytics tools.

Company Overview: We are a leading financial institution committed to providing exceptional banking services to our customers. Our mission is to deliver innovative solutions that meet the evolving needs of our customers.