Head of Risk at Fina Trust Microfinance Bank

Objectives

• 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.

Primary 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.
• 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 participative processes that can accommodate requests at short notice in order to derive the maximum mileage for the organization 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.
• Take the ownership of maintaining a harmonious industrial relationship at the Bank.

Education and Experience

• Bachelor's Degree in Finance, or related field required.
• 5 - 10 years of related experience preferred.
• Microfinance experience is an added advantage.

Required Skills and Qualifications;

• Thorough understanding of policies and best practices of risk management.
• Excellent verbal and written communication skills.
• Excellent mathematical and critical thinking skills.
• Excellent analytical and problem-solving skills.
• Excellent organizational skills and attention to detail.
• Strong supervisory and leadership skills.
• Proficient with Microsoft Office Suite or related software to prepare reports and policies.