Team Member, Credit Audit at United Bank for Africa (UBA)

Job Objective(s)

To provide an independent assessment of the Credit Risk Management process of the bank with the aim of ascertaining and reporting on the extent of compliance with; the credit philosophy, credit planning process, credit approval and management system, responsibility and disciplinary processes. Also ascertaining and reporting on the extent of compliance of the bank’s credit risk management philosophies and strategies with international best practices and with relevant regulatory guidelines.

Duties & Responsibilities

• Preparation of yearly audit plan for branches in the zone.
• Take part in the assessment and expression of opinion on the adequacy of controls.
• Take part in the assessment and evaluation of the operational process.
• Conducting full audit for various business offices within the area of coverage.
• Conduct spot checks on high and medium rated business offices.
• Conduct periodic cash audit on vaults and ATMs.
• Take part in the rating, assessment and assigning audit ratings to the auditee.
• Highlight pervasive audit issues that portend dangers for losses.
• Recommend improvements, in the course of the audit, for business and operational processes with overall objective to improve timeliness, accuracy, reliability and quality standards in products and services.
• Conduct Policy Awareness, Fraud Assessment and Sensitivity in office visited to further drive fraud reduction.
• To drive/encourage staff positive behaviors in the noted areas.
• Perform other duties as assigned by the Team Lead.
• To also work with the subsidiaries as necessary.

Knowledge & Skills Required

• Average to good knowledge of credit analysis.
• Have a sound knowledge of the bank’s credit policy, systems and products.
• Sound knowledge of the Banking Operations and Internal Controls.
• Good Understanding of the Nigerian Banking Industry.
• Knowledge of CBN’s policies and the business environment.
• Critical thinking.
• Intermediate Microsoft Office Suite Skills.
• Good communication skills (Oral & Written).
• Good analytical skills.
• Good interpersonal skills.
• First degree in any related numerate field.
• Professional qualification e.g. ACA, ACCA, ACIB will be an advantage.

Minimum Educational Qualification

• Others

Minimum years of work experience required

• 3 years