Job Vacancies at ARM Hold Co.

Job Summary

• Responsible for overseeing the day-to-day operational activities within the Trustee business.
• Ensure efficient and effective management of processes, compliance with regulatory requirements, and support for client services.
• Work closely with various departments to optimize operational workflows and enhance service delivery for ARM Trustees

Job Details

KEY RESPONSIBILITIES 

• Operational Management: Oversee daily operations, ensuring smooth and efficient workflow across all departments.
• Compliance: Ensure all activities comply with regulatory requirements and internal policies.
• Process Improvement: Identify and implement process improvements to enhance operational efficiency.
• Trust advisor support: Support trust advisors by ensuring timely and accurate processing of transactions and inquiries.
• Record keeping and Accounting: Ensure proper records and accounting of transactions executed on behalf of each trust client working closely with the RMs and the Accountant.
• Portfolio Valuation and Reporting: Ensure daily valuation of Trust portfolios; prepare and present operational reports to management.
• Risk Management: Identify and mitigate operational risks.
• Team Collaboration: Work closely with the relationship managers and other departments to ensure cohesive and integrated operations.
• Any duties or responsibility that may be assigned by the Group Head, Operations and Management.

Requirements

COMPETENCIES, SKILLS & ABILITIES

•  Strong analytical and problem-solving skills.
• Excellent attention to detail and accuracy.
• Strong communication and interpersonal skills.
• Ability to work effectively in a team-oriented environment.
• High ethical standards and integrity.
• A  Proficiency in Microsoft Office applications (Excel, Word PowerPoint & other spreadsheet applications)
• Ability to work under pressure and meet tight deadlines. 

QUALIFICATION & EXPERIENCE

• B.Sc. in Accounting, Finance, or related field.
• Possession of a relevant professional qualification will be added advantage
• Experience: Minimum of 3-5 years work experience in Trustee business

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Job Summary

• The Credit Officer leverage sound knowledge of credit risk management to review the credit program of the bank and develop credit product papers, define eligibility criteria, credit rules and algorithm, credit processes and policies aimed at building a profitable credit portfolio while effectively managing credit risks in line with the defined risk appetite

Job Details

• Ensure implementation of the credit risk management strategy approved by the Board and establish an effective credit risk management process in ARM MFB.
• Manage the credit operations process including loan origination, loan appraisal and approval, loan monitoring, loan repayment, collections and performance management.
• Conduct credit appraisal, evaluate customers’ creditworthiness, analyze risks and make recommendations for loan approval or rejections.
• Manages the manual review of loan applications, loan approval and disbursement process where applicable.
• Constantly monitor the bank’s credit portfolio performance, identify the accounts at risk of default and propose proactive actions to prevent default and minimize bad debt.
• Review terms of contract and service with client and make necessary inputs to ensure the Bank’s credit risks are effectively managed or mitigated.
• Compile daily, weekly, and monthly reports on the performance of the Bank’s loan portfolio, status of delinquent accounts, collection activity, and accounts receivable status.
• Present appropriate reports to the Executive Management, the Board of Directors and the regulators on the Bank’s loan portfolio.
• Ensure the implementation and enforcement of applicable laws, CBN and other regulations in the Bank’s loan process and management of the loan portfolio.
• Design appropriate loan/lending policies, processes and procedures for the effective management of the Bank’s loan book and obtain all required approvals for them.
• Coordinate all activities around CBN/NDIC regulatory review of the Bank’s loan portfolio.
• Provide oversight over all system and operational controls over the loan booking, processing, collection and management processes.
• Ensure availability of standards operating procedures (SOP) for the credit process, including keeping them up to date
• Manage loan recovery process, provide progress report on recovery and make recommendations for next steps, provisions and write-offs (where required).
• Provide leadership to his team members and ensure that they perform effectively and efficiently.

Requirements

Behavioural

• Strong Communication and customer experience skills
• Confidentiality and integrity.
• Attention to Detail.
• Analytical & Problem-Solving Skills
• Proficiency in financial data analysis.
• Report Writing
• Self-starter with entrepreneurial vision and critical thinking
• Strong ethical behavior and ability to work with sensitive financial information. 

Technical

•  Credit Product Development and Management.
• Credit Risk Management expertise

PERFORMANCE EXPECTATIONS

• Achievement of business leading goals and targets.
• Effective management of credit risk, compliance and NPL within approved thresholds. 

QUALIFICATION & EXPERIENCE

 Educational Requirements

• A good first degree in Economics / Finance / Business / related discipline.

Experience Requirements

• Proven work Credit competencies with minimum of 8-10 years’ experience including at least 6 years as a Credit officer or similar role at a Commercial Bank, Micro Finance Bank or Digital Lending Company.
• Hands-on experience building digital lending products, defining rules and policies and managing credit risks

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Job Summary

• We are seeking a highly skilled and experienced Core Banking Application Manager to lead the development, maintenance, and optimization of our core banking systems. The ideal candidate will be responsible for managing the end-to-end lifecycle of core banking applications, ensuring system stability, performance, compliance, and alignment with the bank's strategic objectives.

Job Details

• Coordinate UAT and SIT phases with business stakeholders for new releases or system changes.
• Plan for business continuity, disaster recovery, and high availability of core banking applications.
• Stay updated with technological trends and propose improvements or innovations.
• Log management and application observability.
• Monitor application and database performance, troubleshooting issues and implementing solutions as needed.
• Develop and enforce best practices for data management, security, and compliance.
• Manage vendor relationships and third-party service providers to ensure the quality and reliability of external systems.
• Ensure the seamless integration of applications across the organization, optimizing efficiency and user experience.
• Collaborate with stakeholders to understand business requirements and align application strategies with organizational goals.

Requirements

• Analytical mindset to identify and address complex issues related to application management.
• In-depth knowledge of enterprise application architecture, development, and maintenance.
• Expertise in database management systems, SQL, data modelling and reporting.
• Familiarity with project management tools and methodologies.
• Excellent verbal and written communication skills.
• Ability to communicate technical information to non-technical stakeholders.
• Hands-on experience with DevOps tools and agile delivery models.
• Familiarity with cybersecurity best practices in banking environments

QUALIFICATION & EXPERIENCE

Educational Requirements

• Bachelor’s degree from an accredited university 
• Professional certification in Project Management (e.g. PMP, PRINCE2) and/or IT Service Delivery (ITIL).

Experience Requirements

• Minimum of 3 years of relevant experience in core banking application management.
• Proven experience working in teams and taking ownership of deliverables with minimal or no supervision. 

COMPETENCIES, SKILLS & ABILITIES

• Analytical mindset to identify and address complex issues related to application management.
• In-depth knowledge of enterprise application architecture, development, and maintenance.
• Expertise in database management systems, SQL, data modelling and reporting.
• Familiarity with project management tools and methodologies.
• Excellent verbal and written communication skills.
• Ability to communicate technical information to non-technical stakeholders.
• Hands-on experience with DevOps tools and agile delivery models.
• Familiarity with cybersecurity best practices in banking environments.