Credit Administrator at United Bank for Africa (UBA)

Job Objective(s)

• Ensure prompt reporting of credit-related matters to Management, Rating agencies, and Regulators.
• Ensure proper collateral documents and credit records management.
• To prepare accurate and reliable credit disclosures in the Group’s Financial Statements.

Responsibilities

• Record keeping of collateral and approval documents for reliable referencing.
• Maintain customers’ credit records in line with CBN’s requirements.
• Periodic review of Credit files to ensure completeness and compliance with regulatory requirements.
• Review macro-economic changes and prepare Credit Portfolio Management reports to BCC covering but not limited to the following sub-distribution reports:
  • Risk Assets by Facility Types.
  • Market Segmentation of Risk Assets.
  • Insider-related report.
  • Loans and Advances by Regional Location.
  • Risk Assets Sector/Industrial Report.
  • Interbank Exposures Report.
• Proper analyses of raw data received from IT teams, operations team, offshore offices, and Finacle support of IT department/ unit and prepare reports on comparative bases.
• Prepare quarterly, half-yearly, and yearly disclosure reports that FINCON integrates into the financial statements.
• Respond to requests from Fitch Ratings, S & P, AfDB, EIB, IFC, GCR, AFREXIM, MOODYS, PROPARCO, AUGUSTO-Local, etc.
• Review Collateral Release Memo and supporting documents.
• Concur to the issuance of letters of non-indebtedness on a daily basis.
• Concur to release Shipping documents in line with approval conditions on a daily basis.
• Maintain filing systems both electronic and hard copies.

Qualifications

• First Degree in any field.
• 3-5 years experience, out of which 3 years must have been spent in a credit risk management function.
• Related Certification will be an added advantage.

Candidate's Profile:

• Our ideal candidate must have a good knowledge of the Microsoft program, Numerical/Analytical skills, an up-to-date understanding of the implications of changes in macroeconomic variables, and Working knowledge of the Bank’s Apps.

Knowledge & Skills Required:

• Knowledge of and adherence to the Bank’s Credit Policies and procedures.
• Firm grasp of CBN monetary policies and guidelines.
• Good understanding of the Nigerian Banking Industry and Apps.
• Good knowledge of the Microsoft program.
• Numerical/Analytical skills.

What We Expect From You:

• High degree of professional ethics, integrity, and responsibility.
• Highly organized, proactive, ability to work independently and take ownership of tasks assigned.
• Team player with the ability to work under pressure and ability to work with a wide variety of people and maintain an excellent business relationship.
• High sense of confidentiality and discreteness.

What You Should Expect From Us:

• Our corporate culture is defined by our core values. We do not just train our people to be the best in the job, we also offer encouragement, recognition, and rewards.
• Whatever level you are at in your career, we offer plenty of opportunities and support to build a rewarding career at UBA.
• Here in UBA, our employees are our greatest assets and so we built a recognition and reward system that boosts productivity and enhances staff retention, instituting a culture of meritocracy.