Head, Credit Policy & Portfolio Management

Supervise the development of credit portfolio plan/Risk Appetite Statement which provides guidance for the development and management of risk assets from time to time in coordination with Management
Supervise the recognition, measurement, impairment and derecognition (including write offs) of loans and advances in line with IFRS 9
Analyze credit risk on the Bank’s credit portfolio and propose appropriate measures to mitigate same. 
Ensure optimal Portfolio diversification and realignment guided by Capital Adequacy Requirements and prudential compliance in conjunction with top Management. 
Develop framework for portfolio and sub portfolio reporting and provide final level of review to management
Interface with the regulators, creditors, and external auditors on Risk Assets Portfolio
Review of macroeconomic environment, industry studies, industry ratings, risk appetite, etc. to develop the Bank’s portfolio plan. 
Initiate review and investigative analysis to determine causes of negative trends in the portfolio, if any. 
Supervise the periodic review of existing credit policies, identify areas for improvement and crafting of new ones to address observed gaps in the credit management process. 
Supervise and coordinate the regulatory/financial audit as it relates to credit risk from time to time. 
Supervise and review Enterprise Risk Management (ERM) framework document to ensure compliance with Basel and IFRS and other acceptable international standards for management approval as it relates to Credit Risk. 
Review update of policy & procedures relating to Basel II standards, IFRS, Prudential Guidelines, and/or BOFIA as advised by CBN from time to time. 
Supervise all activities relating to loan sale i.e. AMCON, Risk Participative Scheme, sale and release of pledged shares. 
Ensure that all regulatory returns are rendered within the stipulated timeline set by CBN. 
Ensure Compliance with the principles and policies in the Information Security Handbook. 
Supervision/coaching of subordinates, training and appraising officers involved in the credit portfolio management process. 
Coaching of the Business Units on relevant policy guidelines 


Job Requirements:


Minimum Education: First degree in economics/ business related courses. The ideal candidate should have an advanced degree or professional qualification 
Minimum experience of 10 years in banking with at least 5 years in Credit Analysis/Credit 

Risk Management/Consulting.
Interpersonal skills
IT and Computer appreciation 
Communications skills (written and oral)
Ability to communicate technical information to a non-technical audience
Must be self-driven, proactive and have acceptable knowledge of the business environment

▪ Performance Measurement, Assessment and Supervisory skills