Reference Number: RSBBLR013
• The CQA Manager shall execute his/her duties with a focus on portfolio monitoring; review; and reporting as advised by the Senior Manager. Allocation of responsibilities may be by geography, product or another specialization as may be determined by the Senior Manager.
Credit Quality Monitoring • Perform scheduled and event triggered credit quality monitoring activities, including site visits, on specific credit facilities and the credit environment including assessment and monitoring of the following: • Adherence to credit policies, procedures, methodologies, approach, and systems used in credit risk management and recommend/monitor implementation of corrective actions as considered appropriate. • Adherence to credit covenants, undertakings and other terms and conditions of a credit facility. • Adherence to margining requirements for security (collateral) held to ensure security values do not fall below set thresholds and call for security enhancement or top-up as necessary. • Financial and operational performance of the borrower (s). • Impact of trigger-events and other emerging credit problem areas. • Country, industry, and sector risk developments.
Credit Portfolio Review • Perform scheduled and event triggered credit portfolio reviews on the credit portfolio. The reviews shall cover at the minimum: • Asset quality reviews – appraisal of the conduct and profitability of individual credit facility; risk grade review; analysis of the borrower’s financial statements and other qualitative attributes. • Credit approval process review – examining the approval process credit facility went through, including pre-assessment, credit approval, disbursement, and credit administration. • Administrative and documentation review – verifying the existence and adequacy of the documents associated with credit facility files, including completeness of credit grading and accuracy of loan grades assigned by credit officers. • Collateral (security) review – physical check of all security and loan documents, confirmation of registration status, assessment of the value and enforceability of collateral. • Compliance review – compliance with internal policies and procedures including mandate requirements, adherence to loan covenants.
Reporting • Prepare and submit accurate and timely reports to Senior Manager for review and sign-off on a monthly, quarterly, halfyearly and annual basis for Management, RISTRAC, EXMAF and relevant Board committees, highlighting performance against defined credit quality parameters.
Relationship management • Develop and maintain effective internal and external relationships through individual contacts and Bank facilitated forums. • Represent the CQA Unit as delegated by the Senior Manager, in internal and external meetings and committees.
Maintain high level relationship with rating agencies to understand and implement compliance requirements in order to maintain high rating for the Bank. • Maintain high level relationship with industry associations and CQA heads of peer organizations to enhance capacity building and bench-marking of best practices, executing joint projects to address shared risks and concerns, developing outlines of new methodologies and frameworks, etc. • Any other duties as may be assigned by Senior Management from time to time.
Requirements: Qualifications and Skills
• Postgraduate degree in Commerce, Banking, Finance, Accounting, Economics, or Risk Management. • A professional qualification in a relevant area such as banking, risk management or accounting may be accepted in lieu of a post graduate degree. • At least 8 years banking experience, specifically covering credit risk management, debt restructuring / recovery, country, and sector risk analysis, structured and project finance. • Understanding of credit risk and country risk management processes and methodologies. • Understanding of credit risk mitigations and financing mechanisms including structured trade finance, project finance, and syndications. • Knowledge of Africa and its banking industry. • Broad knowledge of applicable statutes, laws and regulations that govern banking and lending activities in different parts of Africa. • Understanding of the Bank’s systems, policies, procedures, and practices. • Good written and oral communication skills. • Competency in MS suite (Word, Excel, PPT). • Ability to work under pressure. • Good leadership and people skills.
Benefits and Contractual information:
• Permanent • Willing and able to relocate to Harare, Zimbabwe. • Suitably qualified candidates from all African nationalities are encouraged to apply
Closing date: 18th June 2021
If you wish to apply for the position, please send your CV to Robin Botha at firstname.lastname@example.org
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