Senior Officer Portfolio Monitoring
Department: Credit Risk Management
Reports to: Senior Manager – Credit Approvals and Portfolio Monitoring
PURPOSE
To provide Portfolio
management support to the bank in compliance with the bank’s credit policy and
the regulator’s prudential guidelines. Analysis of the banks credit portfolio
and preparation of daily and Monthly management dashboard, Statutory reports
and advising the management of early warning signs.
Duties & Responsibilities
- Portfolio analysis and monitoring
- Statutory Compliance
- Customer experience
Portfolio Management
- To
Coordinate and ensure timely preparation and submission of management
reports i.e. Daily portfolio reports, monthly reports
- To
ensure timely preparation and submission of credit performance report i.e.
Weekly and monthly credit related performance both individual performance
reports and departmental performance.
- To
ensure timely preparation and submission of CBK statutory reports both
monthly and quarterly reports
- To
ensure timely preparation and submission of reports to financial partners
DFIs both monthly and quarterly reports
- To
ensure risk classification is consistent with the stipulations of the
bank’s credit policy and CBK prudential guidelines and action is taken on
those accounts that are showing signs of deterioration.
- To
ensure timely preparation and submission of CBK provisions in line with
prudential guideline (PG)
- To
ensure timely preparation and submission of IFRS 9 provisions
in line with IFRS reporting standard and guideline
- To
ensure timely preparation and updating of IFRS 9 model and
LGDS & PDs in line with the IFRS guideline
- Review
of sector exposures to ensure compliance to set banks limits by ensuring
optimal profitability of the bank.
- To
undertake daily and monthly update of CRB data in line with the CRB
regulations.
- To
ensure all insider lending and top borrower’s documentation are in place
and up to date.
- Coordinating
all audit reviews being undertaken in credit department both internal and
external
- To
ensure that the data keyed in the system on all aspects of credit
facilities is valid and correctly done to avoid income leakage and future
litigation. i.e Interest rates, loan tenors and facility collaterals.
- To
ensure timely filing of all reports and documents relating to credit
related transactions.
- To
ensure compliance with internal and statutory policies.
- To
identify and report any system and application shortcomings in supporting
the loan products both CQ and T24.
Risk & Compliance
- Ensure
full compliance with the Bank’s Credit Policy, Central Bank of Kenya
guidelines and appropriate provisions of the Banking Act with respect to
mobile lending.
- Comply
with the banks Anti Money Laundering (AML) & Combating the Financing
of Terrorism (CFT) policy as defined by CBK prudential guideline
- Ensure
that confidentiality and integrity of the Bank’s information is maintained
at all times in line with cyber security and information security
guidelines
- Ensuring
adherence to the policies as defined in the IT security policy considering
the disciplinary process that follows any violation
- Ensure
responsibility for using personal data by following the data
protection principles under the data protection act and make sure the
information is used fairly, lawfully and transparently and used for
specified, explicit purposes.
- Ensure
compliance with all banks policies, procedures and all statutory
requirements.
- Ensure
proper systems/documentations are in place to effectively manage AML/CFT
risks and strict compliance with the Banking laws, the prudential
guidelines and regulations issued by CBK, and other legal guidelines that
may be issued by the government or other industry stakeholders, from time
to time.
Qualifications
University Degree:
- Bachelor
of Science in Actuarial Science
- Bachelor
of Science in Statistics/Mathematics
- Bachelor
of commerce (Finance or Accounting) or other relevant Business Degree
- 3
years’ experience in portfolio management and Credit monitoring.
- Professional
Banking qualification (ACIB) or Credit Administration/Credit Monitoring
will be an added advantage
- Proven
track record of consistently exceeding set targets.
- Versatility,
flexibility, passion and commitment to quality service delivery.
- Good
understanding of SIDIAN Credit risk policy.
Skills & Competences
- High
level of integrity with proven work record
- Experience
in Ms Office packages especially Excel for analysis and reconciliation.
- Good
understanding of CBK regulatory framework and IFRS 9 financial standards.
- Highly
effective communicator with excellent interpersonal and motivational
skills.
- Solid
performance management and motivational skills.
- Excellent
relationship building and stakeholder management skills.
- Strong
planning, analytical, decision-making, lateral thinking and project
management skills.
How to Apply
Fill in the job
application form below.
https://sidianbank.co.ke/vacancy/senior-officer-portfolio-monitoring/
Apply by: 13th Feb, 2023
