Head: Credit Risk - Deloitte Ghana

Job Purpose

Responsible for implementing effective and robust risk management and risk appetite infrastructure to ensure a proactive and disciplined approach to the management of risk throughout the bank in order to meet internal and external statutory requirements and also balance business growth and profitability against soundness and stability.

Responsible for ensuring that appropriate risk management assurance frameworks, policies and strategies are developed and implemented to identify, measure, monitor and control operational, market, legal and reputational risks confronting the institution.

Key Responsibilities

• Develop and implement strategies, objectives, financial budget and other support systems (operating manuals and procedures, etc.) including monitoring mechanisms in managing the Credit Risk Management.
• Develop standards, risk measurement models and control mechanisms for credit risk management.
• Conduct risk assessments analysis of various types of lending proposals.
• Develop, implement and monitor the Bank’s credit policy and processes
• Provides leadership in evaluating the creditworthiness of counterparties and suppliers.
• Monitor to ensure that appropriate dual controls are implemented in the credit processes which are designed to prevent and protect against errors.
• Develop and promote adherence to credit risk policies and procedures, risk measurement and reporting.
• Monitor to ensure credit compliance with legal and regulatory requirements.
• Monitor internal controls and recommend corrective action to be taken where weaknesses are detected.
• Provide management and the Board with appropriate risk data and maintain, update and implement risk policies.
• Prepare and submit periodic reports on Credit Risk Management
• Develop operating manuals for all Credit Risk Management units and ensures they are updated annually
• Proactively manages the provisioning and write-offs policies of the Bank
• Monitor and review local and international legal and regulatory developments that impact risk and lending policies, including customer documentation/terms and conditions.
• Monitor national economic indicators and their impact on the Bank’s credit portfolio
• Responsible for the management of risk related portfolio work outs
• Any other duties assigned by Supervisor

Qualifications

Education and Experience

• First degree plus MBA Finance / Economics, Banking or its equivalent
• 10 years of progressive responsible experience in credit risk management, credit administration, credit review or risk exposure modelling.
• 3 years of experience should be in a managerial role

Skills and Knowledge

• Strong knowledge of corporate finance and accounting
• Strong experience with statistical methodologies and financial modeling
• Strong quantitative and analytical skills
• Knowledge of Banking practices & regulations
• In-depth knowledge of financial and credit risk analysis
• Experience in Banking Operations
• Knowledge of operational / credit risk management.
• Knowledge in current economic trends
• Strong analytical and conceptual skills
• Good negotiation and networking skills
• Excellent report writing, verbal communication and presentation skills.
• IT experience, including the use of Word, Excel and project management software.
• Ability to work with tact and discretion, and with political sensitivity.
• Able to work on own initiative and have excellent organisational skills.
• A high level of maturity and ability to inspire confidence and motivate staff to be results-oriented.

Additional Information

Leadership Capabilities

• Living our Purpose - Identifies and embraces our purpose and values and puts these into practice in their professional life.
• Influence - Builds relationships and communicates effectively in order to positively influence peers and other stakeholders.
• Performance drive - Seeks opportunities to challenge self; teams with others across businesses and borders to deliver and takes accountability for own and team results.
• Strategic direction - Understands objectives for clients and Deloitte, aligns own work to objectives and sets personal priorities.
• Talent development - Develops self by actively seeking opportunities for growth, shares knowledge and experiences with others, and acts as a strong brand ambassador.

Cross Consulting / Core Professional Capabilities

• Delivery Excellence - Ability to produce a high-quality work product and collaborate with others to deliver a superior client experience.
• Knows the Business and Sector - Ability to understand how business functions operate and how sector trends impact a client’s business.
• Analytical Thinking & Problem Solving - Ability to select appropriate methods for collecting and analysing data and develop informed recommendations that shape or support the client’s business strategy.
• Financial Acumen - Ability to incorporate financial information when evaluating strategic options.
• Client Presence - Ability to deliver key messages with clarity, confidence, and poise to instil confidence in clients.
• Logical Structuring - Ability to organise insights and define a logical flow to tell a story when presenting recommendations.
• Global Mindset - Ability to apply a global and diverse perspective to problem solving.
• Technology Fluency - Ability to apply technical knowledge to address client business challenges.
• Solutioning - Ability to operate in an ambiguous environment and work independently.
• Leadership - Ability to lead teams or experience in having to lead teams on projects.

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