Job Description
Reviewing, developing, and implementing credit policies and strategies and ensure that the Bank maintains a sound loan portfolio with respect to compliance with state laws and regulations, Bank lending policies and procedures, risk appetite and best practices.
Ensure adherence to risk management framework in identifying, controlling, monitoring and reporting of all risks. Work with respective unit heads to drive the development and execution of the Business Continuity Plans (BCP) and operational risk and implement effective control measures and monitoring plans for compliance and operational risk management.
Provide via sampling and testing and oversight, both a point in time and forward view of individual portfolio trending and remediation’s to either preserve or enhance asset quality, risk management and risk appetite.
Develop a working relationship with business unit team leaders to highlight the key credit issues facing the area or product under review and helping to provide executive solutions to improve asset quality, risk management and problem debt identification.
Review and implement the Environmental and Social Management System (ESMS) policy and procedures by integrating them in the bank’s internal credit process and ensuring that Environmental and Social Due Diligence is undertaken for investment projects as per agreed performance standards and international best practices.
Identify gaps and plan, design, co-ordinate the implementation of comprehensive credit training, operational risk, and compliance programs in consultation with HR Learning and development department and Risk Division.
Co-ordinate the implementation of agreed action plans, tracking and timely closure of identified credit audit and operational risk issues.
Keep abreast of financial industry laws and regulations, emerging global banking trends and best practices relating to credit and provide regulatory expertise.
Provide support to subsidiaries in reviewing and implementation of their credit policies and processes.
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