Job Title:                     Head, Credit Risk Management – Gambia    

Industry:                      Banking

Location:                    Gambia

Salary:                         Competitive Salary Package + Benefits

Job Purpose:

Ensure the protection of the Bank’s credit risk assets by implementing the credit risk management framework and ensure compliance with regulatory guidelines regarding credit risk

Responsibilities

• Ensure all credit policies and guidelines, procedural and process manuals are adhered to
• Increase credit awareness in high bank-wide through periodic training and testing
• Ensure credit officers execute assigned functions appropriately
• Maintain a high-quality credit portfolio, based on internationally accepted risk rating models, which are adequately secured and provide appropriate returns for accepted risk
• Ensure high credit administration standards with suitable archiving and reporting systems
• Monitor the implementation of product programs of the Bank
• Identify causes of credit failures and mitigate bank-wide to prevent recurrence
• Communicate regularly with Bank staff regarding policy changes, process improvements initiatives etc
• Ensure compliance with regulatory guidelines to protect the bank from sanctions
• Ensure responses to internal and external queries fall within agreed turnaround time

  Key Performance Indicators

• Credit quality – ratio of non-performing loans to performing loans
• Internal and regulatory audit ratings (number of infractions & sanctionable offences)
• External credit rating
• Effectiveness of policies and processes developed in limiting credit defaults
• Promptness and timeliness in carrying out responsibilities and meeting commitments
• Staff attrition rate
• Cost management – actual cost versus budgeted cost

Minimum Education Qualifications

• Minimum of bachelor’s degree     

Previous Work Experience Requirements

• 10-12 years banking experience