Senior Credit Risk Analyst Full Time NEW

Purpose of the Job: Responsible for assessing, monitoring, and managing the bank’s exposure to credit and financing risks. The role involves conducting in-depth analysis of loan portfolios, counterparty exposures, and sectoral risks, while ensuring compliance with regulatory requirements and the bank’s internal risk appetite framework. This position also supports the development of risk models, stress testing, and credit risk reporting to senior management and regulators.

Generic Functions:

·       Actively participate in developing, reviewing and implementing policies & procedures, plan /budget of the division

·       Mentor and enable staffs below his/grades towards achieving their effective performance

·       Demonstrate the Bank’s code of conduct; embody the bank’s good culture and corporate image to the public

·       Engage in teamwork, collaboration, and transparency work practices

·       Provide services as per the service level agreement

·       Handle other related generic activities as deemed necessary

Specific Functions:

·       Monitor the overall loan book for asset quality, delinquency, and default trends

·       Conduct sectoral and geographic risk assessments to identify concentration risks

·       Analyze trends in key credit risk indicators (NPL ratio, cost of risk ratio, coverage ratio, concentration ratios)

·       Develop credit & financing risk management program, risk appetite, limit, policies, procedures and/or guidelines in line with the Bank’s strategic policies

·       Prepare regular and executive level credit and financing portfolio reports

·       Handle other related duties as may be required

• Qualification: BA in Economics, Econometrics, Management, Business Administration Finance, Accounting or related fields.
• Experience: Five/5 years of Banking experience of which at least 2 years’ experience as Officer position in the area of risk management, credit analysis or credit management.