Head, Credit Risk Management/Chief Credit Officer

Location: Lagos

Business and Financial performance

Ensure unit’s budget is not exceeded and the bank assets are well protected as much as possible
Ensure NPL of Bank loan portfolio remains within acceptable threshold
Review and approve credit requests.
Ensure that Credit Applications (CAs and Cable CAs) meet the minimum standard requirement.
Ensure the credit request is structured in line with the Bank’s Credit Policy and complies with the CBN guidelines.
Ensure all identified risks are properly and adequately mitigated
Review and approve new product papers and other bank credit related products.
Participate in TMC / RAC target market preparation for the Corporate Banking/Consumer & Commercial Banking and Product Papers.
Review Obligor Risk Ratings and Financial Risk Ratings to ensure that they are appropriately derived by ensuring completeness and accuracy of information used to populate the various cells in Moody’s Credit Lens rating model.
Work with Credit Officers in the development of appropriate Risk Assets Acceptance Criteria (RAAC) to support business development and to adequately safeguard the Bank’s risk assets.

Customer Excellence

Attend calls and customer visitation with the Relationship Management team.
Ensure adherence to approved credit approval TAT
Motivate, share ideas and provide on-the-job training for Credit Analysis.

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