Manager, Credit Evaluation-CIB /BB

<p><strong>DIMENSIONS</strong></p>
<ul>
<li>Risk Assessment of the Bank’s Risk Assets Portfolio</li>
<li>Analyze credit data and financial statements of businesses and individuals behind the businesses and key management personnel as presented in credit applications to determine the degree of risk involved in extending the facility.</li>
<li>Prepare credit appraisal reports with the necessary credit information to aid Credit Committee’s decision making and support the credit pre-approval process for new and existing businesses.</li>
<li>Develop the team of Relationship Managers/Officers in good credit risk analysis to build a strong asset portfolio.</li>
<li><span>Support the SBUs in managing the Bank’s Asset Portfolio through effective Portfolio Quality Report session. &nbsp;</span></li>
</ul>
<p><strong>KNOWLEDGE, SKILLS &amp; EXPERIENCE REQUIRED</strong></p>
<p style="margin-left:17.85pt"><span><strong>Qualification</strong></span></p>
<ul>
<li>University degree (with knowledge in Finance/Accounting/Engineering, Social Science or Science)) or a relevant professional qualification with at least seven (7) years’ experience in related role.</li>
<li><span><strong>Knowledge</strong></span></li>
<li>Sound knowledge of principles and practice of banking and lending acquired through experience and/or professional qualification.</li>
<li>Sound analytical skills&nbsp;especially in financial risk analysis to review credit applications in line with credit risk management policy, collateral policy, ESRM and other regulatory policy requirements and ensuring that appropriate securities/terms/conditions/covenants are satisfied to mitigate and control risks</li>
</ul>
<p><span><strong>Competencies</strong></span></p>
<ul>
<li>High level judgment/awareness of the Bank’s Credit Risk Management policy/Collateral policy/procedures/ESRM policy/other related regulatory policies are necessary to perform in this role.</li>
<li>Integrity, clear thinking, good communication and decision-making ability under time/competitive pressures and&nbsp;work outside business hours</li>
<li>Track record in delivering results and recognized for strong execution skills</li>
<li>Good interpersonal, communication &amp; presentation skills. Must be a team player with evident leadership/supervisory/organizational qualities.</li>
<li>Must demonstrated leadership skills with the ability to work with and influence a diverse and senior team of business leaders</li>
<li><span>Excellent client engagement skills and experience</span></li>
<li><span>Strong internal and external stakeholder management abilities</span></li>
<li><span>Results oriented with strong drive and good business judgment</span></li>
<li><span>Ability to perform with minimum supervision and highly effective collaboration across the Bank’s departments.</span></li>
<li>Good analytical skills&nbsp;especially in the identification, analysis and mitigation of credit risk through appropriate loan structuring, terms &amp; conditions, covenants and collateral/security arrangements.</li>
<li><span>Computer literacy; proficiency in MS Word, Excel, &amp; PowerPoint</span></li>
</ul>
<p><strong>KEY RESULT AREAS</strong></p>
<p style="margin-left:13.5pt"><strong>a) General Functions</strong></p>
<ul>
<li>Appraise all credit applications submitted by the Business Banking (BB) team and identify the inherent risks.</li>
<li>Analyze the credit data and financial statements as presented in Credit Applications in accordance with the Credit Risk Management Policy</li>
<li>Responsible for review and verification of documents required in the lending process</li>
<li>Assess the Environmental and Social Risk impact of the client’s business to the environment and surrounding.</li>
<li>Coordinate and embed Environmental &amp; Social (E&amp;S) risk processes in line with the Bank’s Environmental and Social Management System&nbsp; in our credit approval processes and business operations</li>
<li>Recommend mitigants to the identified risk and monitor its implementation by the obligor</li>
<li>Obtain monthly variance analysis of cash flow projections from Business Units when appraising credit applications.</li>
<li>Obtain responses from Business Units for significant variances in the credit application memo.</li>
<li>Recommend mitigants to the inherent risks and recommend lending proposals for consideration by Management Credit Committee (MCC).</li>
<li>Make recommendations for consideration by Management Credit Committee (MCC).</li>
<li>Visit clients with RMs to understand the nature of business, purpose of facility and discuss other relevant issues that may unfold before or during the appraisal process.</li>
<li>Support the teams with technical skills to achieve better portfolio quality performance.</li>
<li>Place frequent call to Relationship Manager to follow up on action points with regards to asset portfolio development.</li>
<li>Assist in maintaining high quality and strong risk asset portfolio through effective credit review/analysis.</li>
<li>Undertake periodic review of risk assets portfolio.</li>
<li>Periodically recommend ways of improving credit risk management within the Bank.</li>
<li>Conduct quarterly reviews of facilities to ensure accounts are operating as approved.</li>
<li>Prepare quarterly loan reviews and portfolio reviews on cases worked on or in your portfolio.</li>
<li><span>Prepare and submit call reports on all relevant details communicated to clients for follow up and reference.</span></li>
<li>Ensure compliance with the provisions of the Bank’s Credit Policy manual.</li>
<li>Ensure compliance with the Banking Laws and Bank of Ghana’s Banking Act Guidelines.</li>
<li>Make enquiries on customers’ credit history from the licensed Credit Reference Bureau.</li>
<li>Review of Product Papers submitted by the BB teams</li>
<li><span>Liaise and provide support to BB units and data analytics by identifying pertinent market conditions and trends that may affect the bank’s loan portfolio.</span></li>
<li><span>Review and recommend enhancements, including system enhancements, to improve current work flow/processes so as to minimize credit risks and increase efficiency.</span></li>
<li>Prepare and present reports assigned to you</li>
<li><span>Other duties as&nbsp;may be assigned from time to time by Head, Credit Evaluation &amp; Review.</span></li>
</ul>
<p><span><strong>I</strong></span><strong>NFORMATION SECURITY RESPONSIBILITIES</strong><span><strong>&nbsp;</strong></span></p>
<ul>
<li>Abide by the Bank’s FISH (Fidelity Information Security Handbook) policies and procedures</li>
<li><span>Safeguard the Bank’s information assets in accordance with FISH policies and procedures</span></li>
</ul>
<p><strong>COMPLIANCE</strong><span><strong> RESPONSIBILITIES&nbsp;</strong></span></p>
<ul>
<li>Undertake the annual mandatory refresher training organized by Compliance Department</li>
<li>Report all suspicious or fraudulent activities to Compliance Department</li>
</ul>