NCBA Head, Credit Policy, Quality Assurance & Compliance Jobs in Kenya

NCBA Head, Credit Policy, Quality Assurance & Compliance Jobs in Kenya



Job Purpose Statement

The role holder is a member of the Credit Risk Management Team, tasked with:

  • Review of the Group Credit Risk Management Policy

  • Review of Credit Processes and procedures

  • Review of Credit product guidelines

  • Review of Credit scoring models

  • Credit Quality assurance reviews & risk mitigation

  • Review and submission of management reports

  • Liaison with other country and regional functions on Credit policy/processes/procedures

    Key Accountabilities (Duties and Responsibilities)

    Financial

  • Ensure all activities geared towards achievement of deliverables, are within the set Credit Risk Management Budget.

    Internal business processes

  • Contribute in setting the Credit risk appetite

  • Continuously review the appropriateness of the
    chosen credit strategies in the light of any changes in the market place, competitors’ activities and the business environment.

  • Ensure all credit policies and guidelines are reviewed annually, monitor adherence to policy, update all amendments and track and report any policy exceptions.

  • Ensure all credit processes/procedures are well documented, reviewed at least annually, or earlier if need be and are updated to seal / remedy gaps noted in audit findings & compliance checks.

  • Review new Credit products and ensure monitoring and review of existing credit products performance is periodically conducted and any emergent issues and potential risks are addressed.

  • Oversee development, periodic monitoring and
    regular review of credit modeling tools i.e score
    cards, grading models, Risk Acceptance Criteria
    (RAC) etc to address any emergent issues and potential risks.

  • Ensure exceptions are reviewed and tracked to
    ensure they are operating within approved standards.

  • Ensure that the necessary controls are in place to address the risks encountered during the credit life cycle from origination, evaluation, documentation, account management and collections, via conducting periodic / random quality sample
    checks.

  • Ensure that issues / deficiencies identified during quality checks conducted are promptly addressed & resolved.

  • Oversee resolution of credit related system issues to ensure that system gaps, challenges are promptly addressed and resolved, and desired & viable credit system improvements are reviewed and
    implemented.

  • Ensure the credit certification program content is periodically reviewed, stakeholders have been
    trained and the content is relevant.

  • Track all credit related projects and work with internal and external resources
    to ensure timely delivery.

  • Ensure all Regulatory and Compliance issues are
    tracked and closed on time for the unit.

  • Ensure the monthly reports are tabled at the
    required forums/committees, and where necessary
    that approval is obtained from the appropriate
    sanctioning body.

    Customer

  • Build and maintain positive working relationships with all levels of staff, to ensure effective problem and issue resolution.

  • Develop a strong team, skills and culture around within the unit and the stakeholder teams.

    Learning and growth

  • Ensure the credit certification program content is periodically reviewed, stakeholders have been trained and the content is relevant.

  • Oversee the Credit risk related
    attestation/certification programs

  • Maintain professional and technical knowledge by attending and contributing to training programmes, educational workshops, reviewing professional publications, establishing personal networks, participating in professional structures & studies

  • Be self-driven and directed. Build excellence in coaching, problem solving, Presentation, communication and writing skills.

  • Provide constructive leadership, coaching and
    advice to the reportees.

    Ideal Job Specifications

  • Academic: Bachelor’s degree from a recognized accredited university. Master’s Degree is an added advantage

  • Professional: Professional qualification in Credit Management, Banking, Finance or any quantitative discipline is an added advantage.

    Desired work experience:

  • Minimum 10 years working experience in Banking with at least five of those being in Managerial positions in Credit.

  • Working knowledge and effective application of all relevant banking policies, processes, procedures and internal control guidelines to consistently achieve required compliance standards or benchmarks.

  • Knowledge and experience of bank practices that provide the basis upon which to provide guidance on activities/tasks in a manner that consistently produce high quality of service, drives quality improvements and continuously evolving operational changes.

    How to Apply

    For more information and job application details, see; NCBA Head, Credit Policy, Quality Assurance & Compliance Jobs in Kenya

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