NCBA Group Manager, SME Credit Advisory Jobs in Kenya

NCBA Group Manager, SME Credit Advisory Jobs in Kenya

Job Purpose Statement

The Manager SME Credit Advisory is primarily responsible for:

Delivery of Collection Target to a CRAG Portfolio of SME/BB Customers experiencing financial distress.

Primary, Secondary and desktop credit risk CRAG reviews of SME names to identify key credit risk concerns, come up with mitigation strategies & covenant/monitoring actions/targets

Turn Around of SME CRAG names to resolve credit risk concerns.

Adoption and relationship management of CRAG names under Primary management to turn around, reduce, exit and collect based on strategy and target

Determining objectives, strategies and actions that need to be adopted to address business risk issues.

Reduce Bank’s risk and achieve collections, reduce and managed exit solutions so that the bank realises maximum return in the shortest time possible.

Provide secondary support to the relationship team on problem accounts managed under the Normal or Watch category

Financial

Ensure achievement of turnaround/restructure portfolio targets for CRAG watch accounts plus provisions target as per performance plan.

Obtain and analyze customer financials (management & audited accounts), plus financial projections to ensure regular monitoring of customer facilities performance, credit covenants and repayment of bank facilities

Support reduction of loan provisions and increase collections are maintained/achieved within set budget.

Contribute to the preparation of timely and accurate MI reports, provision budgets to aid in management of the credit portfolio.

Partner with the Head of Credit Risk Advisory in carrying out the responsibilities pertaining to Board Credit Risk Committee which includes responding to data/ analytical requests from the Committee in addition to enhancement and review of Group Credit Policies & Standards

Support customers in financial challenges with close and robust engagement on turnaround cases. Restructure facilities appropriately in order to preserve the Bank’s position.

Prevent revenue leakages through monitoring and controls and observation of covenants.

Internal Business Processes

Responsible for Primary, Secondary and desktop credit risk CRAG reviews of SME/BB names to identify key credit risk concerns and mitigation strategies

Come up with SME CRAG credit risk strategies and monitoring recommendation to mitigate credit risk concerns identified with tangible covenants, monitoring actions and timely triggers to address concerns.

Responsible for identifying, mitigating, and properly documenting risks and policy exceptions

Ensure that the necessary credit and other approvals are obtained at the right levels for strategies, expenditure and provisions.

Present updates on own SME CRAG portfolio on behalf of the department to the relevant committees

Ensure that the highest credit management standards are maintained to minimize Bank risk and comply with Bank and government policies and regulations.

Ensure proper implementation and follow up on the operational aspects of the account management with timely and proper internal administration and record keeping.

Monitor the collections of the assigned portfolio.

Responsibility of negotiating and recommending restructure and settlement proposals of watch accounts in CRAG portfolio.

Ensure CRAG reviews, adoptions and turnaround strategies are managed within set SLA

Ensure the department complies with regulatory requirements and bank internal procedures.

Ensure satisfactory internal and external audits.

Customer

Lead detailed negotiations with customers, sometimes in conjunction with internal and external stakeholders regarding implementation of Turn Around, Reduce or Managed exit strategies

Adoption and relationship management of CRAG names under Primary management to turn around, reduce, exit and collect based on strategy and target

Lead proactive formulation and implementation of Covenant Monitoring and collection strategies on assigned CRAG portfolio.

Work closely with clients and RM's with a focus on the turnaround, reduce or managed exit of each vulnerable account or exposure in the Watch portfolio.

Make customer visits and attend meetings held at/off bank premises where appropriate.

Develop network of contacts internally and with external professionals in order to maximize effectiveness in assisting customers and minimizing bank’s risk.

Learning and Growth

Set objectives, drive performance in line with Enterprise Performance Management with regular reviews, feedback and coaching to ensure targets are met.

Use MI to monitor and provide feedback.

Identify skills gaps and seek appropriate training and development.

Participating in trainings offered by the Bank through Elearning, Internal & External training activities.

Participate in department’s team building activities.

Ideal Job Specifications

Academic:

Bachelor’s degree in a business management discipline in either of Finance, Business, and
Economics, Mathematics / Statistics or related field from a reputable institution.

Master’s Degree in Finance, Economics, Commerce, Accounting or any other equivalent and relevant qualification from a recognized university.

Professional:

Comprehensive banking background and extensive experience in credit appraisal and loan portfolio management.

Experience in engaging C-level management and senior executives in facilitating decisionmaking and reporting.

Extensive understanding of business and financial fundamentals, with mathematical aptitude & advanced accounting skills.

Ability to coach, mentor, train and transfer skills to others.

Desired Work Experience:

At least five years’ experience in corporate credit risk management.

Ability to coach, mentor, train and transfer skills to others.

How to Apply

For more information and job application details, see; NCBA Group Manager, SME Credit Advisory Jobs in Kenya

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