Head of Risk at Fina Trust Microfinance Bank

Job 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.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:

• Bachelors or Masters degree in Finance, or related field required.
• At least 6 – 10 years of related experience preferred.
• Microfinance experience is an added advantage.
• Professional certification is an added advantage
• Working knowledge of data analysis software