Credit Risk management officer

• Minimum Qualification :

• Analysis and appraisal of Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines(fulfilling conditions for disbursement or deferrals obtained)
• Responsible for providing support, direction, credit Information, and loan policies and procedures to ensure the overall quality of the Banks lending portfolio
• Monitor the strict adherence to credit related regulations (Single obligor limits, aggregate large exposures etc)
• Timely review and approval/rejection of credit requests
• To perform periodic monitoring and analyses of portfolio performance
• Conduct periodic field visits and develop/prepare impact report.
• Perform reviews for renewals/assessment of existing facilities performance and other credit related requests
• Monitor the attainment of approved standards on credit portfolio management
• Provision of information requested by regulatory and rating agencies
• Value addition to credit requests: Identifying critical risks in credit requests and providing alternative routes by restructuring the request to make it viable
• Preparation and rendition of all credit risk reports (units weekly and monthly reports, credit exposures, performing and default loans etc)
• Perform risk acceptance evaluation and assign risk rating in line with approved risk classification guidelines
• Ensures proper documentation of individual exposure by adhering to set documentation standards and procedures
• Define credit approval framework and recommend credit approval limits in line with bank policy
• Oversee the realization of securities on lost facilities (Loan loss provision coverage)
• Identification of knowledge gap and skill need within the unit and communicating to HR unit
• Effective training of subordinates to achieve business continuity in the absence of the unit head

• A minimum of B.Sc/HND in Economics, Finance or any other relevant discipline.
• Minimum of 3 years banking experience in a similar role.
• Evidence of Microfinance Certification Program

• Credit Administration
• Risk Management
• Credit Analysis and Appraisal
• Financial analysis
• Outstanding communication (written and verbal) and interpersonal abilities
• Strong marketing and public relations skills
• Good team player with excellent leadership traits

Information :

• Company : ACE RECRUITERS LTD
• Position : Credit Risk management officer
• Location : Lagos
• Country : NG