Head Credit Risk

Job Purpose

Responsible for implementing effective and robust risk management and risk appetite infrastructure to ensure a proactive and disciplined approach to the management of risk throughout the bank in order to meet internal and external statutory requirements and also balance business growth and profitability against soundness and stability. Responsible for ensuring that appropriate risk management assurance frameworks policies and strategies are developed and implemented to identify measure monitor and control operational market legal and reputational risks confronting the institution.

Key Responsibilities

Develop and implement strategies objectives financial budget and other support systems (operating manuals and procedures etc.) including monitoring mechanisms in managing the Credit Risk Management.
Develop standards risk measurement models and control mechanisms for credit risk management.
Conduct risk assessments analysis of various types of lending proposals.
Develop implement and monitor the Banks credit policy and processes
Provides leadership in evaluating the creditworthiness of counterparties and suppliers.
Monitor to ensure that appropriate dual controls are implemented in the credit processes which are designed to prevent and protect against errors.
Develop and promote adherence to credit risk policies and procedures risk measurement and reporting.
Monitor to ensure credit compliance with legal and regulatory requirements.
Monitor internal controls and recommend corrective action to be taken where weaknesses are detected.
Provide management and the Board with appropriate risk data and maintain update and implement risk policies.
Prepare and submit periodic reports on Credit Risk Management
Develop operating manuals for all Credit Risk Management units and ensures they are updated
annually
Proactively manages the provisioning and writeoffs policies of the Bank
Monitor and review local and international legal and regulatory developments that impact risk and lending
policies including customer documentation/terms and conditions.
Monitor national economic indicators and their impact on the Banks credit portfolio
Responsible for the management of risk related portfolio
work outs
Any other duties assigned by Supervisor

Qualifications :

Education and Experience
First degree plus MBA Finance / Economics Banking or its equivalent
10 years of progressive responsible experience in credit risk management credit administration credit review or risk exposure modeling.
3 years of the experience should be in a managerial role

Skills and Knowledge
Strong knowledge of corporate finance and accounting
Strong experience with statistical methodologies and financial modeling
Strong quantitative and analytical skills
Knowledge of Banking practices & regulations
Indepth knowledge of financial and credit risk analysis
Experience in Banking Operations
Knowledge of operational / credit risk management.
Knowledge in current economic trends
Strong analytical and conceptual skills
Good negotiation and networking skills
Excellent report writing verbal communication and presentation skills.
IT experience including the use of word excel and project management software.
Ability to work with tact and discretion; and with political sensitivity.
Able to work on own initiative and have excellent organizational skills.
A high level of maturity and ability to inspire confidence and motivate staff to be resultsoriented.

Additional Information :

Leadership Capabilities

• Living our Purpose Identifies and embraces our purpose and values and puts these into practice in their professional life.
• Influence Builds relationships and communicates effectively in order to positively influence peers and other stakeholders.
• Performance drive Seeks opportunities to challenge self; teams with others across businesses and borders to deliver and takes accountability for own and team results.
• Strategic direction Understands objectives for clients and Deloitte aligns own work to objectives and sets personal priorities.
• Talent development Develops self by actively seeking opportunities for growth shares knowledge and experiences with others and acts as a strong brand ambassador.

Cross Consulting / Core Professional Capabilities

• Delivery Excellence Ability to produce a highquality work product and collaborate with others to deliver a superior client experience.
• Knows the Business and Sector Ability to understand how business functions operate and how sector trends impact a clients business.
• Analytical Thinking & Problem Solving Ability to select appropriate methods for collecting and analysing data and develop informed recommendations that shape or support the clients business strategy.
• Financial Acumen Ability to incorporate financial information when evaluating strategic options.
• Client Presence Ability to deliver key messages with clarity confidence and poise to instill confidence in clients.
• Logical Structuring Ability to organize insights and define a logical flow to tell a story when presenting recommendations.
• Global Mindset Ability to apply a global and diverse perspective to problem solving.
• Technology Fluency Ability to apply technical knowledge to address client business challenges.
• Solutioning Ability to operate in an ambiguous environment and work independently.
• Leadership Ability to lead teams or experience in having to lead teams on projects.

What Impact Will You Make

Every day your work will make an impact that matters while you thrive in a dynamic culture of inclusion collaboration and high performance. As the undisputed leader in professional services Deloitte is where youll find unrivalled opportunities to succeed and realize your full potential.

How You Will Grow

At Deloitte our professional development plan focuses on helping people at every level of their career to identify and use their strengths to do their best work every day. From entrylevel employees to senior leaders we believe theres always room to learn. We offer opportunities to help build worldclass skills in addition to handson experience in the global fastchanging business world. From onthejob learning experiences to formal development programs at Deloitte University our professionals have a variety of opportunities to continue to grow throughout their career. Explore Deloitte University The Leadership Centre.

Benefits

At Deloitte we know that great people make a great organization. We value our people and offer employees a broad range of benefits.

Our Purpose

Deloitte is led by a purpose: to make an impact that matters. Every day Deloitte people are making a real impact in the places they live and work. We pride ourselves on doing not only what is good for clients but also what is good for our people and the communities in which we live and workalways striving to be an organization that is held up as a role model of quality integrity and positive change. Learn more about Deloittes impact on the world. 

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Please note that candidates that do not attach their resumes and academic credentials will not be considered.

Applications from all qualified individuals should be sent by 24th January 2025

At Deloitte we want everyone to feel they can be themselves and to thrive at workin every country in everything we do every day. We aim to create a workplace where everyone is treated fairly and with respect including reasonable accommodation for persons with disabilities. We seek to create and leverage our diverse workforce to build an inclusive environment across the African continent.

Note: The list of tasks / duties and responsibilities contained in this document is not necessarily exhaustive.  Deloitte may ask the employee to carry out additional duties or responsibilities which may fall reasonably within the ambit of the role profile depending on operational requirements.

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