NCBA Group Credit Risk Advisory Manager Jobs in Kenya
Purpose of the role:
Monitoring of the Corporate watch portfolio of accounts within CRAG.
Supporting the Senior CRAG Managers in formulation and implementation of their portfolios.
Directly responsibility for the post sanctioning monitoring and control activities such as maintaining and monitoring covenants, excess management and all other monitoring vide MIS/reports to stakeholders ensuring accurate, speedy and efficient delivery of service standardsfor CRAG accounts.
Accountabilities
Portfolio Management
Maintain and monitor MIS/risk reports (where applicable) rigorously thereby mitigating and curtailing the possible risk factors to the minimum.
Daily monitoring of risk reports, i.e. excess reports, loans in arrears, and current accounts at risk reports where applicable.
Monitor overdue covenants and submit breach reports for relevant action.
To ensure reminders are sent out in time for expiring documents.
To ensure regular follow up of outstanding securities / expired over 90 days and limits on the system.
Ensuring the strategies support reduction of provisions and ensuring loan provisions are maintained within set budget for Corporate, Commercial & SME.
Ensure highest standards of portfolio management/monitoring through controls and risk management practices, behaviors, embed a positive risk and control culture.
Demonstrate prudence, sound judgment and appropriate and timely escalations in the management of all types of risk applicable to the role.
Ensure proper implementation and follow up on operational aspects of account management with proper internal administration and record keeping.
Prepare the facility letters and coordinate execution of the same before handover to the Relationship Manager to onward delivery to the customer.
Service Delivery
Execute and manage customer, departmental and organizational service standards.
Ensure timely review and takeover of accounts referred to CRAG.
Undertaking credit advisory reviews once the files are moved to CRAG for discussion with Account Manager on implementation strategies.
Ensure proper implementation and follow up on operational aspects of account management with proper internal administration and record keeping.
To minimize customer complaints and take corrective action wherever required to prevent future recurrence.
To ensure adherence to turnaround time and accuracy.
Monitoring of the CRAG strategy implementation plans with the customers
Deliver positive stakeholder engagement and work in collaboration with internal and external stakeholders.
Maintain MIS sheets where required.
Responsible for reviewing and analyzing financial information produced by customers.
Monitor and control quality of portfolio using agreed triggers.
Quality Assurance
Support customers in financial challenges with close and robust engagement on turnaround cases. Restructure facilities appropriately in order to preserve the Bank’s position.
Prepare credit proposals on recommended restructured facilities/strategy to Head of Credit Advisory for approval in coordination with respective Directors.
Turnaround of accounts to be completed within 18 months of identification.
Mitigate potential provisions on accounts identified for exit/re-banking.
No material provision to be taken before being flagged with all relevant stakeholders.
Internal Business Processes
Reduce operational losses and ensure timely closure of audit/compliance issues
Ensure the department achieves ‘satisfactory’ rating in all audits
Reduce operational losses by maintaining current BCP, RCSA and other relevant policies.
Participate in yearly review of CRAG processes, policies and SLAs with Business in alignment to the Bank’s strategic growth
Participate in yearly review of TOR for Early Alert Committee.
Learning and Growth
Set objectives for self and drive performance through continuous learning.
Identify areas of development and seek appropriate training and development.
Participate in various trainings offered by the Bank through E-learning, internal and external training activities.
Participate in departmental team building activities.
Knowledge, skills and qualifications required:
Academic Qualifications:
University degree from a recognized University.
Professional:
Professional qualifications in credit management preferred.
Work experience:
At least 5 years banking experience, with at least 3 years in credit.
How to Apply
For more information and job application details, see; NCBA Group Credit Risk Advisory Manager Jobs in Kenya
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