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Risk Management Specialist
7 hours ago
The Credit Risk Manager / Analyst will be responsible for conducting comprehensive risk assessments across all facets of banking operations, including credit risk, market risk, operational risk, and liquidity risk. This includes analyzing financial data, market trends, and regulatory guidelines to evaluate risk exposure and ensure compliance with relevant standards.
To achieve this, the incumbent will conduct thorough due diligence to assess borrower's cash flows, repayment capacity, funding requirements, and identify key business drivers and weaknesses. The role also involves ensuring credit proposals fit with business strategy while adhering to regulatory and in-house policy framework.
Main Responsibilities:
- Conduct regular risk assessments and monitoring of credit portfolio to maintain/enhance quality and mitigate associated risks involved.
- Implement an Environmental and Social Management Systems (ESMS) framework, ensuring compliance with national environmental and social regulations.
- Develop and utilize probability of default/loss given default models and IFRS9 standards to calculate Expected Credit Loss (ECL) of the lending portfolio development and maintain risk analytics framework for credit scoring and integration with the Enterprise Risk Management system.
- Prepare risk analysis reports and presentations for senior management, regulatory authorities, and other stakeholders.
Requirements:
- Minimum of a Bachelor's Degree in Business, Commerce, Finance, or related discipline. A Master's degree in Finance and/or Business Administration is preferred.
- Professional qualifications in Finance Discipline will provide an added advantage.
- Minimum of two years of relevant experience in a credit risk function or risk management within the banking or financial services industry.
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