Senior Credit Risk Officer

Skills & Experience

• Minimum of 4 years’ experience in Risk Management, Credit, Audit, internal control, or in a similar environment

• Experience in monitoring documentation, portfolios & exposure limits of the bank.

• Knowledge of the regulatory recovery and collection process

• Knowledge of credit risk management in a financial institution.

• A strong understanding of banking processes and operations

• Ability to influence a culture of risk awareness in a bank..

1. Review of individual credit risk in accordance with the established Credit Rating System and Credit quality assessment.

2. Ensure that classified loans are reported and properly administered in the system of the Bank.

3. Determine the capital requirements and provisions for each of the Bank's products and activities to ensure sufficient provision on the book at all times.

4. Set up procedures and guidelines for the establishment of credit committees.

5. Draft and develop a Credit Risk Management policy for the Bank and review/update it occasionally to comply with local/international banking laws and regulations.

6. Assess the creditworthiness of borrowers and counterparties, establish credit limits and risk rating systems, and monitor loan portfolios to identify and address potential credit issues.

7. Develop strong relationships with business partners to challenge risks and processes, including escalating issues for remediation, as needed.

8. Champion the bank's ESG risk management process.

9. Review provisioning figures before submission to Senior management to ensure alignment with regulatory requirements.

10. Participate in implementing and maintaining credit risk-related policies, guidelines, and methodologies to strengthen the credit risk management framework of the bank.