Team Member, Credit Audit at United Bank for Africa (UBA)

Job Objective(s)

• To provide an independent assessment of the Credit Risk Management process of the bank with the aim of ascertaining and reporting on the extent of compliance with; the credit philosophy, credit planning process, credit approval and management system, responsibility and disciplinary processes.
• Also ascertaining and reporting on the extent of compliance of the bank’s credit risk management philosophies and strategies with international best practices and with relevant regulatory guidelines.

Responsibilities

• Prepare a yearly audit plan for branches in the zone.
• Take part in the assessment and expression of opinion on the adequacy of controls.
• Take part in the assessment and evaluation of the operational process.
• Conduct a full audit for various business offices within the area of coverage.
• Conduct spot checks on high and medium rated business offices.
• Conduct periodic cash audit on vaults and ATMs.
• Take part in the rating and assessment and assign audit ratings to the auditee.
• Highlight pervasive audit issues that portend dangers for losses.
• Recommend improvements, in the course of the audit, for business and operational processes with the overall objective to improve timeliness, accuracy, reliability and quality standards in products and services.
• Conduct Policy Awareness, Fraud Assessment and Sensitivity in-office visits to further drive fraud reduction.
• To drive/encourage staff positive behaviours in the noted areas.
• Perform other duties as assigned by the Team Lead.
• To also work with the subsidiaries as necessary.

Qualifications

• Bachelor’s Degree in Accounting, Banking & Finance, and any related field.
• Professional qualifications e.g. ACA, ACCA, ACIB will be an advantage.
• 3 - 5 years in audit or related experience.

Candidate's Profile:

• Our ideal candidate must have good knowledge of auditing in the financial service industry.
• Must have excellent analytical skills, pay attention to details, and good communication skills.

Knowledge & Skills Required:

• Average to good knowledge of credit analysis.
• Have a sound knowledge of the bank’s credit policy, systems and products.
• Sound knowledge of Banking Operations and Internal Controls.
• Good Understanding of the Nigerian Banking Industry.
• Knowledge of CBN’s policies and the business environment.
• Critical thinking.
• Intermediate Microsoft Office Suite Skills.
• Good communication skills (Oral & Written).
• Good analytical skills.
• Good interpersonal skills.

What We Expect From You:

• High degree of professional ethics, integrity and responsibility.
• Highly organised, proactive, ability to work independently and take ownership of tasks assigned.
• Team player with the ability to work under pressure and ability to work with a wide variety of people and maintain an excellent business relationship.
• High sense of confidentiality and discreteness.

What You Should Expect From Us:

• Our corporate culture is defined by our core values. We do not just train our people to be the best in the job, we also offer encouragement, recognition, and rewards.
• Whatever level you are at in your career, we offer plenty of opportunities and support to build a rewarding career at UBA.
• Here in UBA, our employees are our greatest assets and so we built a recognition and reward system that boosts productivity and enhances staff retention, instituting a culture of meritocracy.