| JOB NAME |
Credit Risk Manager [Kigali]
POSTED BY: Orient Bank Uganda
REF:ORIENT 57
Date Published:Friday, March 3, 2023
Date of Expiration:Wednesday, August 30, 2023 EXPIRED
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| LOCATION OF THIS JOB |
 Rwanda | KIGALI in Rwanda |
| INDUSTRY |
| Financial Services
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| JOB TYPE |
| Full-Time |
| MAIN JOB DESCRIPTION |
Position: Credit Risk Manager [Kigali]
Reports To: Chief Risk Officer
Location Kigali, Kigali
Department RISK
Employment Type Full-Time
Minimum Experience Manager/Supervisor
ABOUT
At I&M Bank Rwanda (PLC), we aim to be the employer of choice in Rwanda with emphasis on employee’s satisfaction and career development through our appealing employee value proposition. Our team is diverse and professional, we embrace inclusion and uniqueness, we are strengthened by our culture and an exemplary code of conduct.
If this sounds exciting to you and you are interested in joining our vibrant working environment, we are currently looking for suitable skilled candidate for the vacancy listed below.
JOB PURPOSE:
The job holder will provide independent oversight of credit risk in the banks’ lending activities and is responsible for identification, measurement and reporting credit risk in the bank’s portfolio and lending process.
KEY RESPONSIBILITIES
1. Develop methodologies for measurement of Credit risk
2. Develop and enhance the Credit risk Reporting & Monitoring framework
3. Support in enhancement and review of the Bank Credit risk Policies to ensure that these reflect the best practice
4. Contribute proactively to various risk related projects and initiatives owing to synergies (e.g. stress testing, IFRS 9 and ICAAP); especially on aspects pertaining to credit measurement and sourcing/ management of data for these initiatives
5. Review and suggest amendments to credit risk appetite, credit limits and target market allocation based on trends in the credit environment and industry and business objectives
6. Review and conduct stress testing and scenario analysis to identify improvements to policies and aid overall decision making and reporting
7. Independent review of credit modelling to ensure that they are operating as intended
8. Independently advise strategies to address changes in market conditions and/or trends to manage the Bank’s credit risk exposure and appetite
9. Review of the Credits department’s Risk and Control Self-assessment and all other departments involved in the lending processes including legal, business units, trade services and credit administration to ensure that risks are comprehensively identified and mitigated
10. Actively support efforts to identify credit risk related issues such as frauds and coordinate issues resolution management
11. Develop policies for counterparty risk management
12. Conduct periodic quality reviews on counterparty risk assessments
13. Conduct periodic reviews on early warning systems to ensure accuracy and adequacy
14. Conducting risk assessments on all new and existing lending products
15. Credit policy compliance spot checks, independent security, and portfolio reviews
16. Conduct regular reviews to verify the adequacy of credit recovery strategies
17. Monitoring of the credit risk appetite framework
18. Assessing and quantifying credit risk in the ICAAP process
19. Provide inputs to credit/ procedures reviews and process engagements
20. Conducting gaps assessments in the lending process
21. Coordinating the Environmental, Social and Governance matters within the Bank
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| REQUIREMENTS FOR THIS JOB |
KNOWLEDGE, SKILLS AND EXPERIENCE Required
1. Undergraduate degree – minimum upper 2nd class honors from an accredited University
2. Added advantage on the following disciplines: A master’s degree in Finance/Accounting, Economics, and risk management
3. Professional / Technical Qualifications / Diplomas: CPA or ACCA qualifications, or a certification in risk management
4. 5+ years working in risk management, credit risk management, or audit functions
5. Deep knowledge and understanding of credit risk management frameworks
6. Knowledge of the local legal and regulatory frameworks.
7. Good understanding of the lending process and practical experience in origination, underwriting and monitoring of small, average, and large credit tickets
8. Strong credit risk stress test methodologies including the capital allocation and computation of Capital adequacy ratios
9. Proficiency in Excel to maintain, improve and develop metrics and reporting tools
10. Comprehensive understanding of credit products including treasury and trade finance products
11. Good understanding of internal policies and procedures
12. Ability to work with all levels of management
13. Ability to write / revise policies and guidelines and maintain Risk Register
14. Excellent communication, facilitation, and interpersonal skills
15. Excellent people management skills
16. Excellent research and analytical skills with attention to detail
17. Ability to establish priorities, plan, coordinate, and monitor own work plan
18. Strong quantitative, analytic, and problem-solving skills
19. Ability to analyze, summarize and present data/results
20. Excellent report writing skills
Deadline for submission of applications is 8th March 2023
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