Credit Risk Manager (Re-advertised) Jobs – Hofokam Ltd
Hofokam Ltd
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Fort Portal
အလုပ်ခန့်သည့်ပုံစံ
အချိန်ပြည့်
အလုပ်ခေါ်စာအသေးစိတ်
Job Summary:
The Credit Risk Manager will support and ensure implementation of policies and procedures that reduce credit risk in line with the business strategy, set targets and regulatory requirements.
Key Duties and Responsibilities:
Credit Application Assessment
• Performing in-depth credit analyses and making recommendations to the relevant credit committees based on financial statements and other sources of information for existing and prospective customers;
• Provide support to the department to ensure that the Institutions risk appetite and credit policies and procedures are always adhered to;
• Ensure implementing policies and procedures that help reduce the Credit risk of the Institution.
Oversee the implementation of IFRS9 and provide direction on forward risk assessment of Loans
• Conduct weekly assessment of all loans in default across the Institution through engaging in discussions with clients and other stakeholders to facilitate the credit analysis process and in depth understanding of the clients business;
• Undertake implementation of financial models and Credit risk management systems that predict Credit risk exposure of the Institution.
Loan monitoring
• Identifying high risk Loan accounts and undertake the necessary corrective action;
• Provide effective monitoring of the risk grade of credit facilities;
• Make recommendations to management and credit committees regarding credit applications;
• Develop and maintain a sound degree understanding of the Institutions Loan portfolio;
• Monitor the portfolio at Risk branch wise, product wise and institutional-wise to ensure that its maintained within agreed parameters in-line with policy and the Risk appetite statement.
Reporting and communication
• Prepare periodic Credit risk assessment and Loan portfolio reporting to the Head of department and Management;
• Evaluate and review performance reports for the different credit products and take necessary actions.
Participate and manage the Performance and development of the Credit staff
• Provide leadership by ensuring effective performance management, learning and development as well as succession planning in the credit department;
• Participate in the recruitment and selection of staff;
• Identify skill and competency gaps and recommend appropriate training and development;
• Monitor performance and carry out periodical performance appraisals;
• Manage staff annual leave days and ensure staff take their entitled leave days.
Qualifications, Skills and Experience:
• Education: A minimum of Bachelors degree in finance, business, economics, or other related field is required.
• Masters degree in a relevant field is an added advantage.
• At least five years of working experience at middle level management in Microfinance industry.
• Knowledge: Sound market and industry knowledge of the Microfinance sector
• Computer skills: Advanced computer skills, especially proficiency with Microsoft Office (Excel, Access, Word, and PowerPoint) coupled with graphic applications, data analysis and presentation.
• Exceptional planning and organizational skills: Ability to handle several complex tasks simultaneously and also coordinate key projects with a variety of stakeholders.
• Communication skills: Great written and verbal communication skills with ability to prepare relevant reports to facilitate decision making.
• Analytical skills: Ability to make deductions and meaning from rather complex and abstract situations and make sound decisions from them.
• Eye for Details: Must be detail oriented.
• Negotiation and interpersonal skills to enable achievement of a predetermined goal.
• Credit Analytical skills: Ability to comprehend and analyze financial statements in regards to credit risk.
• Exposure to Credit risk modeling
• Willingness to handle frequent field travels.
• Age: - years
Salary: The salary to be paid is in line with Hofokam Salary Structure for the Credit Risk Manager
