Credit and Risk Analyst

Responsibilities:

• Work with Unit Head in Planning, designing, implementing & managing the overall risk management process for the bank by developing the risk management framework, policies, processes, procedures, and reporting standards that define the bank’s risk strategy and appetite in line with its overall business objectives.
• Monitor the business development for emerging risks and recommend policies and procedures to improve the risk management process.
• Developing methods to generate a robust system to identify, monitor, manage, and control credit, market and operational risks.
• Facilitate the identification, assessment, measurement, monitoring, controlling and reporting of the level of risk.
• Work with the Unit Head to provide support, education, and training to staff in order to create and increase risk awareness.
• Ensures proper documentation of credits by adhering to set documentation standards and procedures.
• Ensure the approved credit framework and recommend credit approval limits in line with the bank’s policy is adhered.
• Analysis and appraisal of Individual credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines.
• Conduct periodic stress tests and scenario analysis, assessing the impact to the Bank’s credit portfolio and make appropriate recommendations to senior management for appropriate action.
• Review and analyse the delinquent portfolio to identify key causal factors, make recommendations, and track them to ensure adequate and timely closure..
• Responsible for loan recovery, such as negotiating work out plans and strategies for delinquent customers and providing additional support with respect to exposures requiring collection agencies or legal action.
• Monitor violations of credit policies, provide analysis, conclusion, and recommendations, present findings to senior management, and suggest actions/penalties to be taken when appropriate.
• Prepare timely, comprehensive, and reliable credit risk reports to senior management and the board on a regular basis
• Carry out any other task as required from time to time.
• Monitor NPL and ensure proper follow-up
• Review and track department risk exposure and make recommendations

Requirements:

• 2 years experience
• Degree in a related field