Head; Wholesale Client Origination
Job Purpose
To evaluate counter-party credit risks associated with Wholesale Banking lending at the client interface, with the primary objective to contain credit risk within acceptable parameters.
Recommended:
Free
CV Writing and Download, Cover/Job Application Letters, Interview
Questions and It's Best Answers plus Examples. Click Here
Main Responsibilities- Provision of direct credit evaluation services at the customer interface.
- Identify credit and risk management requirements at the source of the deal negotiation/ business proposal.
- Conduct credit evaluation interviews during deal negotiation
- Decline non-viable deals at source, however, works in partnership with Relationship Managers and clients to identify alternatives that could bring deal/ proposals within risk acceptable parameters relative to profitability.
- Supervise Origination Unit to develop high quality credit solutions and recommend appropriate facilities in line with risk evaluation
- Present and defend credit proposals to CREDCO& BCC
- Supervise Credit Originators in preparation of formal Credit Applications
- Identify, quantify and evaluate sources of risk in relation to profitability of business proposal and financial viability of the corporation as a whole
- Utilize industry risk analysis available to identify and understand contextual threats to existing and potential clients.
Read Also:
- Proactively drive review process of existing facilities ensuring consistent, thorough and timely evaluation of all existing facilities.
- Detects and evaluates shifts or changes in key parameters in a business relationship or industry and evaluates the implications of such changes on continued business dealings.
- Analyze information received from client and the client’s performance.
- Monitors utilization in excess of credit facilities and assists Relationship Managers in managing the risk exposure.
- Review the financials and non-financials of the customer and advice the Relationship Manager and customer for revision before to process of Credit Facility.
- Review the correctness of data and information obtained including financials & ROE calculations before sending to Credit.
- Builds relationship with Credit Originators and Relationship Managers to improve quality of business proposals and turnaround time on credit evaluations.
- Share joint credit responsibility for business
- Identify risks/ barriers to business development that emanate from a client’s operating environment and develops strategies to mitigate/ overcome these problems
- Manage financial information produced by customers.
- Monitor and Control quality of portfolio using ‘Condition of Sanction’ triggers where possible.
- Plan and Implement annual credit reviews for the portfolio.
- Coach Relationship Managers and the origination team in all aspects of daily work and ensure that the team communication is open and ongoing.
- Set clear performance standards and expectations; hold the team accountable and take accountability for team delivery against expectations and contribution to results.
- Enable and empower the team to implement/ execute a strategic vision
- Knowledge of the key areas in Wholesale Banking.
- Understanding of key financial indicators and use financial analysis to evaluate strategic options and opportunities
- Robust credit knowledge
- Ability to identify, clarify/define and work through challenges towards a defined outcome
- Reflect high levels of accuracy and attention to detail
- Ability to think in terms of integrated solutions; Logical, rational and show sound judgement
- Excellent communication skills, both verbally and in writing with the ability to listen actively and with interest, and interrogate and interpret information effectively
- Ability to effectively and strategically influence across the organization; Strong negotiation skills
Read Also:
- Bachelor of Commerce, ACCA/CPA or similar qualifications
- Other relevant post graduate qualifications such as an MBA is considered an advantage
- At least 10 years’ experience in Banking and/or Financial Services, 3 years being in Credit.
- 3 additional years within the credit or product environment is an advantage.
- Experience in leading teams
Please be advised that if you are not contacted within 14 working days of the advert closing date then you have not been shortlisted.
“NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it”.
Deadline:2020-03-18
CLICK HERE TO APPLY
*******************
Position: Senior Specialist; Card Governance & Compliance
Job Purpose
To
provide the overall Card governance, controls, fraud prevention and
compliance process; Derive as much value from Card Business by
preventing Fraud and creating frictionless payment experiences.
Recommended:
Free
CV Writing and Download, Cover/Job Application Letters, Interview
Questions and It's Best Answers plus Examples. Click Here
Main Responsibilities
- Provide leadership in collaboration with other senior managers and business partners to develop and implement strategies that effectively manage financial crime risk across the Cards lines of business
- Oversee the fraud risk management function across the card lines of business, ensuring regulatory compliance and compliance with other relevant internal and external standards and requirements
- Ensure teams understand regulatory and compliance requirements as prescribed for the function, and provide recommendations and implement actions to ensure adherence as required
- Identify Card business control risks and gaps
- Be an active player in fraud management forums
- Manage Card fraud risk and minimize losses through monitoring, reporting and taking appropriate action
- Meet regularly with senior internal business partners and lines of business executives to track and address operational risks related to card business
- Ensure teams understand risks inherent in Card business unit and ensure appropriate actions
- Ensure strict confidentiality is maintained for both customer and Bank information
- Achieve Shareholder and Customer goals with a particular focus on card fraud prevention.
- Critically analyze Card Fraud and Declines trends, drive continuous system and process improvements
- Serve as the ultimate customer escalation contact when customer expectations are not met in the fraud processes and interactions
- Govern and coordinate Card Fraud Technology initiatives
- Coordinate with other NMB IT security functions for fraud architecture interactions and facilitate interactions with other technology architecture teams within the bank and partners such as MasterCard & VISA
Read Also:
Attributes
- Advanced knowledge of Visa, MasterCard & UPI Regulations and chargeback case preparations
- In depth knowledge of risk and regulatory requirements and management as they apply to card fraud & compliance or other criminal risk
- Chargebacks process and acquirer/issuer fraud liability experience.
- Detailed understanding of the payments industry and Payment Network rules, e.g. PCI DSS
- Advanced knowledge on chargeback & card fraud management/investigative processes and related business issues
- Knowledge of rules and regulations governing cards, knowledge of dispute resolution, ID Theft, and/or fraud preferred
- Strong analytical and detective skills
- Excellent written and verbal communication skills, including facilitation and presentation skills
- Ability to communicate effectively, including high degree of "Listening Skills"
- Customer Centric with customer service skills
- Ability to influence multiple stakeholders and engage their support and consensus
- Strong planning, decision-making, and prioritization skills
Read Also:
Qualifications and Experience
- Bachelor's Degree in Finance, Statistics, Economics or related field
- Advanced certificates of MasterCard/VISA fraud management is preferred
- Minimum 5 years of industry-related experience with Payment Network rules and regulations
- Thorough understanding of Card Business reporting agencies and compliance requirements for Issuing & Acquiring.
- A background in Card Business, Card Systems or Card Network is mandatory.
Please be advised that if you are not contacted within 14 working days of the advert closing date then you have not been shortlisted.
“NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it”.
Deadline: 2020-03-11
