Country Chief Credit Officer at United Bank for Africa (Z) Ltd

Essential Information:

A Chief Credit Officer ensures protection of the Bank’s credit risk assets through providing a secure but flexible framework; Ensure compliance with Regulatory guidelines regarding Credit Risk within the region.

Reporting Relationships:

• Functionally reports to the Country Chief Executive Officer
• Administratively reports to Country Chief Executive Officer

Supervises:

• Head, Credit analysis structuring and product programmes
• Head, Documentation Review, disbursement and collateral Management
• Head, Credit Administration, Monitoring & reporting
• Head, Compliance
• Head, Market, Operations and IT Risk

Job Duties:

• Supervise development of clear credit policy guidelines with associated procedural and process manuals ensuring alignment with the credit policies of the group and the region of operation.
• Make sure Credit awareness is high bank-wide through periodic training and testing
• Ensure nominated credit officers execute assigned functions appropriately
• Maintain a high-quality credit portfolio, based on internationally accepted risk rating models, which is adequately secured and provides appropriate returns for risk accepted
• Utilize credit software to ensure credit cycle is compliant with policy from Target Market Definition, extension and availment of credits and ongoing monitoring up till collection
• Limit credit infarctions by applying approved sanctions on defaulting officers
• Ensure high Credit Admin standards with suitable archiving and reporting systems
• Ensure development of Product Programs which addresses key marketing initiatives while maintaining security for the Bank
• Identify causes of credit failures and disseminate within the region to prevent recurrence
• Communicate regularly with Bank staff regarding policy changes, process improvement initiatives etc
• Ensure compliance with regulatory guidelines within the region to protect Bank from sanctions
• Ensure responses to internal and external queries fall within agreed turnaround time.
• Supervise the activities of the Heads of Credit analysis structuring & product programmes, Credit administration/ monitoring, Compliance and other risk management functions

Skills:

• Professional disposition, Strategy formulation & Business Awareness, Creativity & Innovation
• Resource Management, Delegation & Empowerment
• Ability to Inspire & Manage Change
• Analytical Thinking, Decision Making, Problem Solving and Diversity Management
• Interrogatory skills; Communication skills; Fraud Detection & Control
• Internal Audit practice; Accounts Management; Analytical and Investigation Skills, Auditing Skills and Accounting Skills
• Comprehensive Banking Operations (Domestic and Foreign) Skills
• Comprehensive Treasury skills

Job Requirements & Knowledge:

• Knowledge
• Proficiency in Credit Structuring
• Relationship Management experience
• Product Development

Application requirements:

• Candidate must have 17 years relevant banking experience; 20 years non- banking but related experience
• Candidate must possess a first degree in a relevant discipline; (MBA, MSC, MA, ML and/or Professional Qualifications compulsory)
• Candidates must have a minimum of 5 credits on their Grade 12 results with Mathematics and English included

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