OUTPUT 1

Credit Risk Management

KEY ACTIVITIES

MEASUREMENT/JOB STANDARDS

• Maintain excesses on client accounts within benchmark
• Maintain arrears on client assets within benchmark
• Maintain client reviews within benchmark
• Manage Operational Risk Losses within the Loss Tolerance Threshold
• All Loan Applications received are actioned within the agreed turnaround times
• Develop, maintain and implement the Bank’s Lending Policy and credit documentation
• Ensure debt recovery procedures are fully effective and all available recovery options are utilized to maximize recovery outcomes

• Daily monitoring of lending portfolios for excesses, arrears and inactive/non-performing accounts.
• Monitor list of Risky Non-Performing Loans on a monthly basis for further action to be taken
• Monthly Credit Reports

OUTPUT 2

Internal Stakeholders

KEY ACTIVITIES

MEASUREMENT / JOB STANDARDS

Report to the Board on portfolios of lending exposures;

Adequate turnaround times to sales on loan applications

• Reporting to be done on a regular basis to the Board Committees on:

1)  Present loans and advance book

2)  Risky Non-Performing Loan (RNPL) book

• Loan Applications to be dealt within the agreed time frame in order to provide prompt feedback to sales

• Reporting to be done within the agreed timeframe to board committees.
• Record of incoming loan applications to be kept to ensure acceptable service delivery to sales 

OUTPUT 3

People Management

KEY ACTIVITIES

MEASUREMENT/ JOB STANDARDS

Create an effective and efficient team

Development of sub-ordinates and succession planning

• Develop team members by transferring of skills and knowledge
• Put in place personal improvement programs for staff members within the team
• Mentoring and coaching

Develop Action Plans

Actively participation of team members in the work place

Performance agreements

OUTPUT 4

Increase market share

KEY ACTIVITIES

MEASUREMENT /

JOB STANDARDS

• Support to become banking partner of choice through team effectiveness;
• Collaboration with sales/deal team discussions/client visits  

• Demonstrate support for deal team discussion and client visits.

KNOWLEDGE REQUIREMENT

SYSTEMS

PRODUCTS

BUSINESS PROCESSES

LEGISLATION

• Staff to be trained and have a thorough knowledge of the banks’ systems and how to operate it.

Job Title:                     Head of Credit Risk – Guinea Conakry

Industry:                      Banking

Location:                     Guinea Conakry

Salary:                         Competitive Salary Package + Benefits

Job Purpose:

Management, control and execution of Credit Risk policy. Ensure that Credit Risk is properly managed across a portfolio of lending exposures. 

OUTPUTS                                                                    WEIGHTING%

1.         Credit Risk Management                                               50%

2.         Internal Stakeholders                                                     20%

3.         People Management                                                     20%

4.         Increase Market Share                                                  10%

Total                                                                             100%

ROLES

• Leadership
• Strategy
• Lending Policy and other documents
• Credit Control
• Credit Decision and Support
• Complex Lending
• Delegated Credit Authorities
• Analysis and reporting
• Communication
• Credit Training and Capability Assessment
• Process Improvement
• Projects

CORE BEHAVIOURAL COMPETENCIES

• Communication
• High level consultation and influencing
• Quality decision making
• Building and effective team
• Action orientated
• Dealing with ambiguity
• Credit Risk Management
• Leading others
• Measuring and managing work
• Motivating others
• Delegation
• Developing direct reports

TECHNICAL/PROFICIENCY & COMPETENCIES

Knowledge

• Financial markets and derivatives
• A sound knowledge of credit risk management
• Programme and project management knowledge
• Understanding of the bank’s products and systems
• Sound financial and analytical background
• Governance and compliance

Skills

• Sound problem solving and communication skills
• Effective management of third-party agencies
• Ability to work across a range of stakeholders
• Multi-disciplinary skills – IT, Finance and Risk

KNOWLEDGE REQUIREMENT
SYSTEMS	PRODUCTS	BUSINESS PROCESSES	LEGISLATION
Staff to be trained and have a thorough knowledge of the banks’ systems and how to operate it.	It has come to our attention that clients and candidates are being contacted by individuals fraudulently posing as Antal representatives.  If you receive a suspicious message (by email or WhatsApp), please do not click on any links or attachments.  We never ask for credit card or bank details to purchase materials, and we do not charge fees to jobseekers.