Head Credit & Risk Management Carbon MFB
About Carbon MFB
Carbon MFB limited was established in 2019 on license from the Central Bank of Nigeria. Our mission is to provide financial access to the underbanked consumer and SME segments, provide value-adding solutions through professional and highly motivated people and deliver excellent financial performance to all our stakeholders
About Credit and Risk Management at Carbon MFB
The role of the Head, Credit Risk Management is to ensure that the bank maintains a healthy and efficient risk asset portfolio through the implementation of the bank’s credit policy in line with its risk appetite.
Our Principles:
Make financial services accessible to a large segment of the active population which otherwise would have little or no access to financial services.
Enhance service delivery to micro, small and medium entrepreneurs.
Contribute to rural transformation
Promote linkage program between universal banks, specialized institutions and microfinance banks.
Provide training and advisory services that will aid the growth of its customers’ businesses.
Your Responsibilities Will Include :
Carrying out periodic reviews of the bank’s risk assets and provide data, analytics and insights on macro and micro economic variables and the implications on the risk assets creation and management for the bank.
Analysis and appraisal of customers’ credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines (fulfilling conditions for disbursement or deferrals obtained)
Providing support, direction, credit Information and loan policies and procedures to ensure the overall quality of the Bank’s lending portfolio.
Monitor the strict adherence to credit related regulations (Single obligor limits, aggregate large exposures etc.)
Life at Carbon MFB
We are a growing team, seeking to answer some of the most interesting questions in Financial Services on the African continent. We move fast, we’re always looking for new ideas and we’re very transparent about the decisions we make and why we make them.
Benefits and Diversity
At Carbon MFB we know that people are the heart of the business and we prioritize their welfare. We offer a wide range of competitive benefits in areas including health, family, finance, community, convenience, growth, time away and relocation.
We believe a great workplace is one that represents the world we live in and how beautifully diverse it can be.That means we have no judgement when it comes to any of the things that make you who you are - your gender, race, sexuality, religion or a secret aversion to coffee. All you need is a passion for the under-banked consumer and SME segments and a desire to be part of one of the fastest-growing start-up’s in the African continent
What are we looking for?
Candidates who can meet the following criteria;
· Ensuring timely review and approval/disapproval of credit requests.
· Perform reviews for renewals/assessment of existing facilities performance and other credit related requests.
· Assist the bank in identifying risks that the bank is exposed to and proffer mitigants to same.
· Monitor the attainment of approved standards on credit portfolio management
· Provision of information requested by regulatory/rating agencies.
· Preparation and rendition of all credit risk reports (weekly and monthly reports, credit exposures, performing and default loans etc.) especially for CBN returns.
· Ensures proper documentation of individual exposure by adhering to set documentation standards and procedures.
· Effective training of subordinates to achieve business continuity.
· Calculating the Allowance for Loan and Lease Loss Reserve (AILL) and making recommendations to executive management and the Board of Directors for monthly allocations to the Loan Loss Reserve.
· Ensure adequate loan provisioning is done on the bank’s loan portfolio in line with prudential guidelines.
· Performs direct supervisory duties of department and coordinates staff for coverage in all related areas of the unit.
· Supervise all credit committee sessions.
· Reviews all loans prior to submission to management credit committee for approval.
· Provide necessary reports to financiers and regulatory bodies as regards the credit portfolio.
· Oversee all loan verification exercises.
Qualification & Experiences
Carbon MFB limited was established in 2019 on license from the Central Bank of Nigeria. Our mission is to provide financial access to the underbanked consumer and SME segments, provide value-adding solutions through professional and highly motivated people and deliver excellent financial performance to all our stakeholders
About Credit and Risk Management at Carbon MFB
The role of the Head, Credit Risk Management is to ensure that the bank maintains a healthy and efficient risk asset portfolio through the implementation of the bank’s credit policy in line with its risk appetite.
Our Principles:
Make financial services accessible to a large segment of the active population which otherwise would have little or no access to financial services.
Enhance service delivery to micro, small and medium entrepreneurs.
Contribute to rural transformation
Promote linkage program between universal banks, specialized institutions and microfinance banks.
Provide training and advisory services that will aid the growth of its customers’ businesses.
Your Responsibilities Will Include :
Carrying out periodic reviews of the bank’s risk assets and provide data, analytics and insights on macro and micro economic variables and the implications on the risk assets creation and management for the bank.
Analysis and appraisal of customers’ credit requests in accordance with approved policies and procedures to ensure that credit exposures are created subject to stipulated guidelines (fulfilling conditions for disbursement or deferrals obtained)
Providing support, direction, credit Information and loan policies and procedures to ensure the overall quality of the Bank’s lending portfolio.
Monitor the strict adherence to credit related regulations (Single obligor limits, aggregate large exposures etc.)
Life at Carbon MFB
We are a growing team, seeking to answer some of the most interesting questions in Financial Services on the African continent. We move fast, we’re always looking for new ideas and we’re very transparent about the decisions we make and why we make them.
Benefits and Diversity
At Carbon MFB we know that people are the heart of the business and we prioritize their welfare. We offer a wide range of competitive benefits in areas including health, family, finance, community, convenience, growth, time away and relocation.
We believe a great workplace is one that represents the world we live in and how beautifully diverse it can be.That means we have no judgement when it comes to any of the things that make you who you are - your gender, race, sexuality, religion or a secret aversion to coffee. All you need is a passion for the under-banked consumer and SME segments and a desire to be part of one of the fastest-growing start-up’s in the African continent
What are we looking for?
Candidates who can meet the following criteria;
· Ensuring timely review and approval/disapproval of credit requests.
· Perform reviews for renewals/assessment of existing facilities performance and other credit related requests.
· Assist the bank in identifying risks that the bank is exposed to and proffer mitigants to same.
· Monitor the attainment of approved standards on credit portfolio management
· Provision of information requested by regulatory/rating agencies.
· Preparation and rendition of all credit risk reports (weekly and monthly reports, credit exposures, performing and default loans etc.) especially for CBN returns.
· Ensures proper documentation of individual exposure by adhering to set documentation standards and procedures.
· Effective training of subordinates to achieve business continuity.
· Calculating the Allowance for Loan and Lease Loss Reserve (AILL) and making recommendations to executive management and the Board of Directors for monthly allocations to the Loan Loss Reserve.
· Ensure adequate loan provisioning is done on the bank’s loan portfolio in line with prudential guidelines.
· Performs direct supervisory duties of department and coordinates staff for coverage in all related areas of the unit.
· Supervise all credit committee sessions.
· Reviews all loans prior to submission to management credit committee for approval.
· Provide necessary reports to financiers and regulatory bodies as regards the credit portfolio.
· Oversee all loan verification exercises.
Qualification & Experiences
- A first degree in Economics, Finance or any other discipline, Master’s Degree is an added advantage.
- Minimum of 6 years banking experience with at least 2 years in a senior management role in a Microfinance Bank.
- Must have completed the CIBN MCP programme.
- Impeccable understanding of financial statements and business dynamics.
- In-depth understanding of Microfinance Regulatory framework.
- Ability to manage competing deadlines in a high-pressure environment, with varying ranges of supervision
- Professionalism and integrity
- Deadline oriented. Dependability, requiring minimum supervision
- Strong leadership and people management skills
- Sound strategic thinking, with risk and control consciousness
- Strong analytic skills
- Excellent communication skills: written and oral
- Possession of extensive experience in auditing, and a thorough understanding of Microfinance Banking and accounting practices
- Experienced in strategic planning and management.
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