Job Vacancies at the United Bank for Africa (UBA)

Job Description

CANDIDATE'S PROFILE: Our ideal candidate must have knowledge of Credit Risk management in banking. Possess analytical skills and interpersonal skills.

JOB OBJECTIVE (S):

To emphasize and protect high Credit Quality while encouraging and increasing the Bank’s market share without compromising risk assets quality.

RESPONSIBILITIES:

• Review of approved credits for quality, performance and compliance with approved terms and conditions and credit policy.
• Monitoring of special conditions in credit facilities and escalation of exceptions / non-compliance.
• Identification of deteriorating accounts for Prudential Classification and transfer to Credit Remedial/Recovery.
• Ensure that limits are monitored, incomes, fees, and maturing repayments anniversary charges are captured.
• Detection and escalation of unauthorised credits.
• Implementation of policy-driven credit related sanctions.
• Preparation of exception reports & imminent maturity reports.
• Monthly performance review of the bank’s exposure to the power sector and energy sector.
• Review of the bank’s contingent liabilities.
• Identification of warning signals and flagging likely problems before they crystallize.
• Regular rendition of weekly, monthly and quarterly exceptions reports to Group Head Credit Monitoring Head Office.
• All other activities as delegated by the Directorate Head.

KNOWLEDGE & SKILLS REQUIRED:

• Computer literate
• Ability to demonstrate initiative
• Good analytical skills
• Good interpersonal skills

QUALIFICATION:

• A bachelor’s degree in quantitative subjects (Accounting, Economics, Bus. Admin, Banking & Finance etc.)
• Post Graduate Qualification will be an added advantage.
• Minimum 10 years of banking experience out of which 5 should be in Credit Risk Management.

WHAT WE EXPECT FROM YOU:

• High degree of professional ethics, integrity and responsibility.
• Highly organised, 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.

go to method of application »

Job Description

CANDIDATE’S PROFILE: Our ideal candidate must have a minimum of 3 years’ experience in banking operations, or in a sales role.

JOB OBJECTIVE:         

• Coordination of Loan Recovery activities within assigned business offices.
• Management of Memorandum bad debts portfolio and Loan Loss portfolio & erstwhile CTB database.
• Recovery of watch-list accounts & transferred accounts with early warning signals to avoid further deterioration.
• Review & Processing Loan repayment proposals

 RESPONSIBILITIES:

• Coordinate Loan Recovery activities within assigned business offices and ensure that the advised recovery target is achieved.
• Manage Memorandum bad debts portfolio and Loan Loss portfolio within assigned business offices.
• Originate Loan repayment proposals for request from indebted customers for management’s consideration.
• Initiate proposals for realization, repossession, and sale of pledged assets and properties of indebted customers.
• Rendition of fortnightly / monthly debt recovery reports for the region to the RH for onward submission to Financial reporting, Performance management and DH, Remedial Management & Credit Recovery Division.
• Achieve recovery financial target in line with advised budget.
• Recovery of watch-list accounts & transferred accounts with early warning signals to avoid further deterioration.
• Manage relationship with debtor customers to ensure compliance with repayment agreements, court orders, regulatory request (EFCC, CBN, Police etc.) & restructure request.
• Review, process and reconcile accounts of indebted customer’s complaints to ensure amicable resolution & payment of the agreed sum.
• Conduct and document recovery visitation to customers.
• Coordinate ad hoc reports for the group.

KNOWLEDGE & SKILLS REQUIRED

• General Branch Operations
• Prudential guidelines
• Problem loan management
• Knowledge of the Loan Recovery function.
• Basic credit Skills.
• Good Customer relations
• Communication Skills
• Basic banking operations knowledge.
• Effective reporting
• Negotiating Skills.
• Initiative & analytical judgment.
• Management Skills.

QUALIFICATION:

• A minimum of bachelor’s degree
• A minimum of 3 years of banking experience in operations or in a sales role.

WHAT WE EXPECT FROM YOU:

• High degree of professional ethics, integrity and responsibility.
• Highly organised, 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.