Job Summary

Reporting to the Executive, Credit Risk Management or designate, this position is responsible for ensuring the Bank's overall credit risk exposure is maintained at prudent levels and within the risk appetite parameters set by the Board of Directors.

Duties and Responsibilities

The duties and responsibilities of the role include but are not limited to:

• Evaluate the financial performance of borrowers and based on a variety of credit risk and other factors, determining an appropriate risk rating for assigned portfolios.
• Own the risk appetite by monitoring, evaluating and reporting on credit limits, exposures, and portfolio characteristics of all clients to adequately provide for any expected credit losses.
• Develop and review credit risk management policies and procedures to guide risk taking practices and decision making.
• Conduct Risk Reviews/Risk Opinions on credit applications and reviews to ensure there is independent and expert scrutiny of credit risks and rewards, mitigations and provide feedback to busines development officers during the structuring phase of credit facilities.
• Present the Risk Reviews, opinions, and recommendations on residual risks to relevant Credit Committees for consideration in risk taking decisions.
• Implement (internal & external) audit findings or recommendations within agreed timeframe.
• Oversight of the Credit and Political Risk Insurance Portfolio to ensure applicable exposures are adequately mititgated for; Process renewals on existing insurance covers, make applications to acquire new insurance where required and prepare Insurance Portfolio Reports.
• Actively identify early warnings signals at client level and portfolio level to prevent weak assets from crystallizing into unmitigated losses; Conduct annual and interim reviews of existing credit facilities and monitor financial and non-financial convenants and recommend corrective action plans.
• Collect timely, credible and accessible data on country, sector and obligor exposures to provide decision makers with appropriate information to inform risk taking decisions.
• Contribute to the department's periodic risk reporting process by ensuring timely submission of data to inform corporate reporting.
• Act as Secretary to the Credit Committee to keep record of deliberations and ensure meetings are held in a structured manner by sending invitations and agenda for Credit Committee meetings to Members, Presenters & Observers.
• Train and mentor credit analysts to equip them with knowledge and skills to effectively perform their role.

Qualifications and Competencies

• A Master's degree in Business Administration, Accounting, Finance, Mathematics, Statistics, Economics, or any other relevant field from a recognized university.
• Relevant professional qualification/certification such as ACIB, ACCA, CPA, CA, CIA, FRM, or PRM.
• Membership of a recognized professional body as an added advantage.
• A minimum of 10 years of relevant professional experience and proven track record in a Commercial/Development Banking or Financial institution environment.
• Demonstrated knowledge and understanding of corporate and sovereign credit risk management concepts and international standards relating to credit risk.
• Enabler to the business deal teams and cross functional taskforces through an entrepreneurial mindest for optimal win-win solutions for both the client and the Bank without compromising on risks.
• Experience in trade finance as well as project & infrastructure finance structures.
• Strong interpersonal skills with ability to work in different environments and with culturally diverse teams.
• Solid track-record in developing and nurturing talent and managing diverse teams to drive engagement and performance.
• Must be able to balance between strategic thinking and detail orientation, yet flexible to work in a fast-paced environment, a team player with excellent communication and interpersonal skills.
• Strong quantitative & qualitative analytical skills including financial & risk modelling.
• Fluency in English is a requirement. Knowledge of another official language of TDB Group's member states (French or Portuguese) would be an advantage.

• Evaluate the financial performance of borrowers and based on a variety of credit risk and other factors, determining an appropriate risk rating for assigned portfolios.
• Own the risk appetite by monitoring, evaluating and reporting on credit limits, exposures, and portfolio characteristics of all clients to adequately provide for any expected credit losses.
• Develop and review credit risk management policies and procedures to guide risk taking practices and decision making.
• Conduct Risk Reviews/Risk Opinions on credit applications and reviews to ensure there is independent and expert scrutiny of credit risks and rewards, mitigations and provide feedback to busines development officers during the structuring phase of credit facilities.
• Present the Risk Reviews, opinions, and recommendations on residual risks to relevant Credit Committees for consideration in risk taking decisions.
• Implement (internal & external) audit findings or recommendations within agreed timeframe.
• Oversight of the Credit and Political Risk Insurance Portfolio to ensure applicable exposures are adequately mititgated for; Process renewals on existing insurance covers, make applications to acquire new insurance where required and prepare Insurance Portfolio Reports.
• Actively identify early warnings signals at client level and portfolio level to prevent weak assets from crystallizing into unmitigated losses; Conduct annual and interim reviews of existing credit facilities and monitor financial and non-financial convenants and recommend corrective action plans.
• Collect timely, credible and accessible data on country, sector and obligor exposures to provide decision makers with appropriate information to inform risk taking decisions.
• Contribute to the department's periodic risk reporting process by ensuring timely submission of data to inform corporate reporting.
• Act as Secretary to the Credit Committee to keep record of deliberations and ensure meetings are held in a structured manner by sending invitations and agenda for Credit Committee meetings to Members, Presenters & Observers.
• Train and mentor credit analysts to equip them with knowledge and skills to effectively perform their role.

• Strong interpersonal skills
• Ability to work in different environments and with culturally diverse teams
• Solid track-record in developing and nurturing talent and managing diverse teams to drive engagement and performance
• Ability to balance between strategic thinking and detail orientation
• Flexibility to work in a fast-paced environment
• Team player
• Excellent communication and interpersonal skills
• Strong quantitative & qualitative analytical skills
• Financial & risk modelling

• A Master's degree in Business Administration, Accounting, Finance, Mathematics, Statistics, Economics, or any other relevant field from a recognized university.
• Relevant professional qualification/certification such as ACIB, ACCA, CPA, CA, CIA, FRM, or PRM.
• Membership of a recognized professional body as an added advantage.
• Demonstrated knowledge and understanding of corporate and sovereign credit risk management concepts and international standards relating to credit risk.
• Enabler to the business deal teams and cross functional taskforces through an entrepreneurial mindest for optimal win-win solutions for both the client and the Bank without compromising on risks.
• Experience in trade finance as well as project & infrastructure finance structures.
• Fluency in English is a requirement. Knowledge of another official language of TDB Group's member states (French or Portuguese) would be an advantage.