Head, Credit Risk & Marketing at Nikky Taurus

Job Description

• The Head, Credit Risk & Marketing be responsible for Marketing of the Bank products along monitoring and managing the portfolio of the Bank. Also to develop and implement systems, policies and procedures aimed at risk mitigation.

Duties and responsibilities

• Leading the Credit Risk and Marketing workforce
• General Financial Advisory to clients
• Making sure all customer queries are being solve through Account Officer while on field without visiting the office
• Analyzing customer complete financial position and credit repayment history through credit bureau
• Monitor the business development for emerging risks and recommend policies and procedures to improve the risk management process
• Facilitate the identification, assessment, measurement, monitoring, controlling and reporting the level of risks
• Maintain oversight over the bank’s enterprise risk management activities
• Provide support, education and training to staff in order to create risk awareness
• Ensures proper documentation of credits by adhering to set documentation standards and procedures
• Field physical random spot-check on loan applicant
• Making sure all loans are booked and insured
• Timely credit decision making without compromising credit policy
• Aggressive marketing to attract more credit disbursement
• Daily portfolio review and customer profiling
• Evaluating the creditworthiness of potential clients, based on detailed analysis through 5C(s) of credit
• Making sure all big ticket loans are collateralized
• Appraising credit and ensure effective risk management process for monitoring of overall portfolio of the Bank
• Monitoring loan Repayments and loan Recovery, including on site visit
• Comply with the Bank’s Code of Conduct and Policy, Credit procedures and other Regulations
• Daily follow up on Bank Total Portfolio on both Performing and Non-Performing Risk Asset.
• Detail monthly Report on Bank Total Portfolio in accordance to CBN Regulatory Guideline.
• Monthly Submission of Client Credit Data to both First Central Credit Bureau and CRC Credit Bureau for Proper Data Update.
• Credit recommendation and commentary to the Managing Director on why the loan should be approved or declined after a detailed credit analysis.

Requirements

• Candidates should possess B.Sc Degrees with 8 - 10 years relevant work experience.