JOB DESCRIPTION
Key accountabilities
Risk Measurement, Management & Reporting 50%
- Ensure that PD (Probability of Default) and LGD (Loss Given Default) models are understood and provide inputs into model development and validation.
- Responsibility for providing Management with analytical solutions/monitoring packs and MI to manage portfolios effectively and within policy.
- Develop and apply data driven credit risk strategies within the Credit Risk team.
- Liaise, co-ordinate and provide required inputs and responses on impairments, forecasting, MI and analytics to support management decisions
- Participate, review and challenge in the working day meetings to establish month end impairments forecasts and understand impairment drivers
- Identify new opportunities for enhancing, streamlining services through use of advanced analytics, automation and optimization
- Ensure integrity; completeness and accuracy of data held in ABS systems.
- Ensure adherence to and compliance with governance, risk policies, procedures and compliance policies, including but not limited to the Group’s RDARR policies.
- Produce ad-hoc analysis reports on the specific credit related issues – reports include diagnostic reports and recommendation of remedial actions to appropriate stakeholders
- Produce regular portfolio and regulatory reports to relevant stakeholders
- Ensure Group reporting deadlines are adhered to
- Other responsibilities as may be assigned to you by line manager.
Business Management and Compliance 40%
- Monitor, collate and analyse client financial information and identify/highlight any areas that require further investigation
- Design, implement and maintain strategies for appropriate remedial action on poorly performing accounts in the portfolio.
- In collaboration with the business counterparts, develop, implement and maintain credit risk strategies to optimally manage the performance of the portfolio.
- Design, implement and maintain strategies for appropriate remedial action on poorly performing accounts in the portfolio.
- Prepare instructions/ briefings to professionals for specialist reports and advice e.g. Independent Business Reviews. Evaluate and analyse results and present findings to BBS Manager / Team Leader
- Record and deal with excesses
- Address queries and issues from Relationship Managers, Risk Teams and Professionals such as accountants and solicitors
Staff Management 10%
- Own personal development process by ensuring that SMART objectives have been agreed with team leader
- Attend, participate and complete all relevant training, learning and development assigned in a timely manner
- Ensure that performance review feedback has been given to you and agree remedial actions with team leader where non performance aspects have been defined
- Communicate career plans with team leader and ensuring that proper training are provided
- Participate in team discussions such knowledge sharing sessions, team building sessions.
Education
Higher Diplomas: Business, Commerce and Management Studies (Required)
Salary
Competitive
Monthly based
Location
, East Gonja Municipal District, Savannah Region, Ghana, Savannah Region, Ghana
Job Overview
Location
, East Gonja Municipal District, Savannah Region, Ghana, Savannah Region, Ghana
