Officer, Retail Credit Approvals

Job Purpose Statement

The holder should be a credit professional responsible for ensuring that the Credit Risk function achieves its objectives of facilitating revenue generation, quality loan, improving the credit risk control environment and delivery of business enablers within Credit Risk

Ideal Job Specifications
Academic:

• Relevant undergraduate degree
• Appropriate Masters Level or Post Graduate Qualification

Professional:

• Relevant professional qualification in Banking, accountancy, credit / risk management

Desired work experience:

• A minimum of 3-4 years of experience in Credit Risk Management, other relevant areas of practice preferably in the Banking sector out of which 1-2 years should be at credit analysis or credit risk.
• Exposure to credit, market and operational risk dimensions, Basel implementation, IFRS 9 implementation, ICAAP etc.
• Econometric experience (e.g., competence in understanding key macro drivers of credit risk, customer behaviour and lending strategy)
• The ability to conduct complex risk analyses and provide senior management with business insights of consumer credit quality and behaviour trends, and portfolio performance.
• Strong communication skills (written and oral) and the ability to articulate complex issues at an intuitive level to a non-risk audience
• Ability to think creatively - to challenge the norm and drive through solutions in the face of adversity and challenge.