Manager, Credit Portfolio Management at NCBA Group

Job Purpose Statement

The role is responsible for all aspects of portfolio management as relates to the quality of the loan book for all customer segments of the Group/Bank i.e. Corporate Banking, SME / Business Banking and Personal Banking. This role provides direct portfolio oversight to all countries where the Group operates.

This shall involve;

• Monitoring the credit portfolio to ensure full compliance with the core principles of good lending enshrined in the Credit Policy, Banking Act, and CBK’s prudential guidelines and early recognition of problem credits so as to mitigate against credit risks within the Bank.
• Ensuring that the quality of the loan book is assessed and quantified, asset quality metrics are tracked
• Maintaining an adequate risk control environment
• Portfolio data on the core banking and credit systems is of high quality
• Expected credit loss - Management of the Bank’s ECL model to ensure compliance with IFRS 9 and relevant prudential requirements and including reporting and advising stakeholders
• Prudential impairment – compliance with prudential classification and impairment requirements
• Portfolio reporting (internal and external)
• Ensuring that compliance objectives are met which includes audit and regulatory inspection outcomes as per annually defined targets
• Adopting and developing a network of strong partnerships with the Business and Business Support teams and other functions of the Bank

Ideal Job Specifications

Academic:

• Degree in accounting / finance or a quantitative field- Upper second division or equivalent.
• Master’s degree added advantage

Professional:

• CPA/ACCA/FRM

Desired work experience:

• 5 years of experience in finance or analytics within the banking industry, with exposure to lending products.
• High level proficiency in CBK Prudential Guidelines
• High level proficiency in IFRS 9 Modelling
• High level proficiency in bank credit operations and credit management.
• Proficiency in MS Excel and MS Office applications.
• Some familiarity with SQL and / or data analysis with R /SAS/Matlab/Python desirable
• Proficiency in IT data management programs, financial analysis programs
• Proven ability to develop collaborative relationships with key internal stakeholders to achieve objectives and prioritizations