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Chief Risk Officer

Job objectives

• To lead the Risk Management function of the Bank and ensure protection of the Bank’s credit risk assets through providing a secure but flexible framework; Ensure compliance with Regulatory guidelines regarding Credit Risk

Duties & Responsibilities

  • Supervise development of clear credit policy guidelines with associated procedural and process manuals ensuring alignment with the credit policies of the group and the region of operation.
  • Make sure Credit awareness is high bank-wide through periodic training and testing
  • Ensure nominated credit officers execute assigned functions appropriately
  • Maintain a high quality credit portfolio, based on internationally accepted risk rating models, which is adequately secured and provides appropriate returns for risk accepted
  • Utilize credit software to ensure credit cycle is compliant with policy from Target Market Definition, extension and availment of credits and ongoing monitoring up till collection
  • Limit credit infractions by applying approved sanctions on defaulting officers
  • Ensure high Credit Admin standards with suitable archiving and reporting systems
  • Ensure development of Product Programs which addresses key marketing initiatives while maintaining security for the Bank
  • Identify causes of credit failures and disseminate within the region to prevent recurrence
  • Communicate regularly with Bank staff regarding policy changes, process improvement initiatives etc
  • Ensure compliance with regulatory guidelines within the region to protect Bank from sanctions
  • Ensure responses to internal and external queries fall within agreed turnaround time.
  • Supervise the activities of the Heads of Credit analysis structuring & product programmes, Credit administration/ monitoring, Compliance and other risk management functions

Job Requirements

Education:

  • First degree in Business, Finance, Accounts or Economics plus (MBA, MSC, MA, ML and/or Professional Qualifications compulsory)

Experience:

  • 10 years relevant banking experience

Key Competency Requirements

  • Proficiency in Credit Structuring
  • Relationship Management experience
  • Product Development
  • Professional disposition
  • Strategy formulation & Business Awareness
  • Creativity & Innovation
  • Resource Management
  • Ability to Inspire & Manage Change
  • Problem Solving
  • Diversity Management
  • Interrogatory skills
  • Communication skills
  • Fraud Detection & Control
  • Accounts Management;
  • Analytical and Investigation Skills
  • Auditing Skills
  • Accounting Skills
  • Comprehensive Banking Operations (Domestic and Foreign) Skills Comprehensive
  • Treasury skills

How to Apply

Interested candidates that meet the above requirements should apply through email to:

Application deadline
23 May
Email applications to
careers.zambia@ubagroup.com
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United Bank for Africa Zambia Ltd (UBA)
United Bank for Africa Zambia Ltd (UBA)
Lusaka
Personal banking
Business banking
Corporate finance
Electronic payment systems
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This is a subsidiary of United Bank for Africa Plc, one of Africa's leading financial institutions offering universal banking to more than 7 million customers across 750 branches in 19 African countries. United Bank for Africa Zambia (UBA) offers a wide selection of services that include personal and business banking, corporate finance, electronic payment systems and investment. UBA is constantly anticipating the changing needs of its customers and innovating new products.
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