Oct 25, NCBA Bank Head of Regional Credit Approvals & Portfolio Management Jobs in Kenya

Job Purpose Statement

To support the Group Director, Credit Risk Management in developing and implementing a

prudent credit risk framework in support of the bank’s objectives of building a balanced credit

risk portfolio within the Regional Subsidiaries. The credit portfolio covered includes Corporate,

Financial Institutions, Business Banking and Consumer above the discretion of country management.

The role in Credit Risk entails working closely with various stakeholders in business units, credit risk, enterprise risk and legal as necessary to develop risk appetite at a policy level and on transaction review, strategies for credit originations in various channels, to achieve profitable growth while maintaining credit risk within acceptable levels.

The role will also be responsible for independent review and monitoring of the regional subsidiaries portfolio and provide portfolio insights on the quality, risk levels and intervention required to the regional credit and business teams. This entails the management and governance of the credit portfolio from inception till repayment throughout the credit life cycle.

Cascading of Group credit risk standards and procedures to the Regional Banks and ensuring strict adherence to the same

Creating, implementing and administering the Bank’s Credit Risk strategies, policies,

procedures, credit approvals.

Evaluate & understand risk associated with individual transactions, products, securities,

and the borrowers as well as the economies & industries they operate within. This includes

review and understanding complex transactions as well as analyse credit applications to assess whether the credit risk is in line with the Bank’s Credit Policy, Banking Act, and Regulatory guidelines relative to the profitability of the transaction.

Undertake customer credit calls for new business, early alert names and watch names as

per defined thresholds. The output of these visits will be independent call reports that provide input to the credit granting and portfolio monitoring process.

Conduct assessment and understanding of the Risk Reward for each deal reviewed as well as deliver well thought out decisions, showing sound judgement whilst adhering to the limits of the Delegated Authority.

Facilitate Post credit approval review, monitoring and credit risk control which includes but is not limited to covenant monitoring, crafting of credit strategy for accounts on Close

Monitoring or watch-list, collateral compliance tracking, excess and arrears management.

Identifying training needs within the business stakeholders, formulating the training material

and assisting in conducting regular training within the Regional banks for matters relating

to credit risk.

Identify and drive change within Credit and the Business by initiating and owning change projects as well as represent the Unit when required at various forums including management credit committee, early alert committee, recoveries committee among others

Key Accountabilities (Duties and Responsibilities)

Financial

Cost to budget targets

Financial credit loss metrics

Internal business processes

Asset quality metrics

Post Approval asset quality and monitoring metrics

Projects

Customer

SLA/TAT

Customer satisfaction benchmarks

Learning and growth

Leadership development

Competence development

Performance Management

Ideal Job Specifications

Academic:

Relevant undergraduate degree.

Appropriate Masters Level or Post Graduate Qualification.

Professional:

Relevant professional qualification in Banking, Accountancy, Credit Analysis (Certified

Financial Analyst) and Credit / Risk management.

Desired Work Experience:

A minimum of 10 years of experience in Credit Risk Management, Corporate lending, or other relevant areas of practice preferably in the Banking sector out of which 5 years should be at Management level.

Experience on regional lending and appraisal of country risks as well as syndicated lending; both in-country and regional.

Exposure to Credit, Market and Operational Risk dimensions, Basel implementation, IFRS 9 implementation, ICAAP etc.

Econometric experience (e.g., competence in understanding key macro drivers of credit risk, customer behaviour and lending strategy)

How to Apply

For more information and job application details, see; NCBA Bank Head of Regional Credit Approvals & Portfolio Management Jobs in Kenya

Find jobs in Kenya. Jobs – Kenya jobs. Search our career portal & find the latest Kenyan job positions, career opportunities & jobs in Kenya.

Jobs in Kenya – banking jobs, IT jobs, accounting jobs, NGO jobs, business administration, ICT, UN jobs, procurement jobs, education jobs, hospital jobs, human resources jobs, engineering, teaching jobs, and other careers in Kenya.

Find your dream job from 1000s of vacancies in Kenya posted and updated daily – click here!