• Application Deadline: Sat, 15 Apr 2023 00:00:00 GMT
• Position: Head of Risk


• Job Type Full Time


• Qualification BA/BSc/HND


• Experience 5 - 10 years


• Location Lagos


• Job Field Finance / Accounting / Audit 
  

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.