Head, Credit Policy

4 days ago

Nigeria First Bank of Nigeria Full time ₦360,000 - ₦3,600,000 per year
Description
  • Supervise the development of credit portfolio plan/Risk Appetite Statement which provides guidance for the development and management of risk assets from time to time in coordination with Management
  • Supervise the recognition, measurement, impairment and derecognition (including write offs) of loans and advances in line with IFRS 9
  • Analyze credit risk on the Bank's credit portfolio and propose appropriate measures to mitigate same. 
  • Ensure optimal Portfolio diversification and realignment guided by Capital Adequacy Requirements and prudential compliance in conjunction with top Management. 
  • Develop framework for portfolio and sub portfolio reporting and provide final level of review to management
  • Interface with the regulators, creditors, and external auditors on Risk Assets Portfolio
  • Review of macroeconomic environment, industry studies, industry ratings, risk appetite, etc. to develop the Bank's portfolio plan. 
  • Initiate review and investigative analysis to determine causes of negative trends in the portfolio, if any. 
  • Supervise the periodic review of existing credit policies, identify areas for improvement and crafting of new ones to address observed gaps in the credit management process. 
  • Supervise and coordinate the regulatory/financial audit as it relates to credit risk from time to time. 
  • Supervise and review Enterprise Risk Management (ERM) framework document to ensure compliance with Basel and IFRS and other acceptable international standards for management approval as it relates to Credit Risk. 
  • Review update of policy & procedures relating to Basel II standards, IFRS, Prudential Guidelines, and/or BOFIA as advised by CBN from time to time. 
  • Supervise all activities relating to loan sale i.e. AMCON, Risk Participative Scheme, sale and release of pledged shares. 
  • Ensure that all regulatory returns are rendered within the stipulated timeline set by CBN. 
  • Ensure Compliance with the principles and policies in the Information Security Handbook. 
  • Supervision/coaching of subordinates, training and appraising officers involved in the credit portfolio management process. 
  • Coaching of the Business Units on relevant policy guidelines 

Job Requirements:

  • Minimum Education: First degree in economics/ business related courses. The ideal candidate should have an advanced degree or professional qualification 
  • Minimum experience of 10 years in banking with at least 5 years in Credit Analysis/Credit 
    Risk Management/Consulting.
  • Interpersonal skills
  • IT and Computer appreciation 
  • Communications skills (written and oral)
  • Ability to communicate technical information to a non-technical audience
  • Must be self-driven, proactive and have acceptable knowledge of the business environment
    Performance Measurement, Assessment and Supervisory skills

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