Job Title:                     Team Lead, Credit Risk Management – Congo DRC           

Industry:                      Banking

Location:                   Congo DRC

Salary:                         Competitive Salary Package + Benefits

 

Job Purpose:

Ensure the protection of the Bank’s credit risk assets by implementing the credit risk management framework and ensure compliance with regulatory guidelines regarding credit risk

 

Responsibilities

Ensure all credit policies and guidelines, procedural and process manuals are adhered to Increase credit awareness in high bank-wide through periodic training and testing Ensure credit officers execute assigned functions appropriately Maintain a high-quality credit portfolio, based on internationally accepted risk rating models, which are adequately secured and provide appropriate returns for accepted risk Ensure high credit administration standards with suitable archiving and reporting systems Monitor the implementation of product programs of the Bank Identify causes of credit failures and mitigate bank-wide to prevent recurrence Communicate regularly with Bank staff regarding policy changes, process improvements initiatives etc Ensure compliance with regulatory guidelines to protect the bank from sanctions Ensure responses to internal and external queries fall within agreed turnaround time

Key Performance Indicators

Credit quality – ratio of non-performing loans to performing loans Internal and regulatory audit ratings (number of infractions & sanctionable offences) External credit rating Effectiveness of policies and processes developed in limiting credit defaults Promptness and timeliness in carrying out responsibilities and meeting commitments Staff attrition rate Cost management – actual cost versus budgeted cost

Minimum Education Qualifications

Minimum of bachelor’s degree     

Previous Work Experience Requirements

10-12 years banking experience