Head of Risk at Fina Trust Microfinance Bank

Summary

• Generally, the Head of Risk will be responsible for the company’s risk management operations, including oversight of its risk identification and mitigation activities.
• He will establish an integrated Risk Management framework for all aspects of risks across the Bank; develop risk management policies, including the qualification of the Bank’s risks appetite through specific risk limits.

Responsibilities

• Appraising and analysing all loans requests with aim of protecting the Bank’s risk assets while ensuring that the loans appraised are in line with the Bank’s credit policy.
• Ensure the achievement of stated turnaround times for loan review, analysis, appraisal on daily basis.
• Ensure all required data/information are correctly entered and considered for credit decision making to ensure maximum usability
• Reconcile all basis of recommendation of loan on cash flow/capacity.
• Ensure PAR of the allocated branches’ portfolio is not more than 5%.
• Attend to customer’s request both physically and in proxy in a friendly and welcoming manner to gain repeated business.
• Ensure provision of timely report on all credit related report, conducting credit check on loan customers.
• Monitoring of credit risk development and quality at portfolio level, proposes measures for improvement, prepares credit risk report.
• Supervision of the work on credit risk policies, rules and methodologies.
• Ensure effective management and resolution of conflicts, build participation processes that can accommodate requests at short notice in order to derive the maximum mileage for the organisation in a rapidly changing/dynamic environment.
• Ensure operational and service excellence in the FTM Bank branch network.
• Participate in managerial and departmental decision making which would result in adding value to the organisation as a whole.
• Safeguard the confidentiality of all information pertaining to the FTM Bank obtained externally or internally during the course of employment and refrain from disclosing same to any third party
• Create and facilitate co-operation and effective two-way communication among all stakeholders including employees and constituents to create win-win results.

Qualifications
Education and Experience:

• Bachelor’s or Master’s Degree in Finance or related field required.
• 6 – 10 years of related experience in credit risk preferred
• Microfinance experience is an added advantage.
• Professional certification is an added advantage
• Working knowledge of data analysis software.