Credit Portfolio Mgt & Reporting Officer at Ecobank Nigeria

Job Description

The ideal candidate must be able to perform the underlisted functions.

• Daily spooling of the credit portfolio and reconciliation/proofing of the list with the risk asset GLs.
• Periodic appraisal of the Bank’s credit portfolio to ascertain the quality of the portfolio using both NGAAP and IFRS approaches.
• Periodic appraisal of the adequacy of the Bank’s loan loss provision (IFRS)
• Periodic computation of Impairment using the Bank’s IFRS 9 models
• Preparation of periodic and adhoc impairment and performance reports to relevant stake holders
• Weekly preparation of the portfolio concentration reports
• Preparation and analyses of the Monthly Credit Report (Power Point)
• Preparation and analyses of the Monthly Business segment Credit reports (Power Point)
• Preparation of weekly, monthly, quarterly, bi-annual, annual, and ad-hoc Group reports within stipulated deadlines in line prescribed formats and stipulated deadlines
• Preparation and analyses of periodic Board reports
• Active involvement in the periodic stress testing process
• Active involvement in periodic ICAAP and RRP process
• Active involvement in the preparation of the Credit Portfolio plan and Target Market documentation.
• Actively involved in the End to End IFRS Impairment process and maintenance of the IFRS 9 models
• Periodic review of the portfolio with the view to identifying accounts eligible from write-offs/transfer to memorandum.
• Other portfolio monitoring and review related duties and as assigned by the Supervisor.
• Management of the Intervention funds process and reporting (i.e. CBN, BOI, etc.)
• Preparation and submission of the Monthly Regulatory CAR reports.
• Active collaboration with Finance to resolve all unreconciled issues concerning the reports sent.
• Collation of documents and information required by regulators and auditors during examinations and audits.
• CRMS reference number generation for new credits, monthly submission, and update
• Monthly Credit bureau data extraction and submission.
• Preparation and triggering accounts for Global Standing Instruction (GSI) quarterly.
• Private Credit Bureau checks for new credits.

Work Experience

• Good knowledge of credit risk management and loan administration.
• Has good understanding of the Bank’s credit culture.
• Excel spreadsheet, SQL
• Applications & other support applications
• Good knowledge of Core banking application
• Good Knowledge of Banking and Financial environment
• Knowledge of CBN Regulations, BASEL and IFRS 9 requirements
• Minimum of 2 - 5 years banking experience