JOB DETAILS:
Responsibility:
The Risk and Compliance Officer (Credit Risk) main responsibilities are to review and ensure that the credit risk is minimized and the bank is able to recover from any losses that might occur. Additional duties involve performing credit risk analysis and conducting independent loans review to ensure loans are adequately underwritten, properly graded, appropriately priced, and conform to the bank’s policy. The reviews and analysis performed will help the bank manage the risk in the loan portfolio by ensuring compliance with Bank and regulatory requirements, as well as following up on trends identified so appropriate controls can be developed and implemented at VFT MFB.
Main tasks
1. Monitor the bank’s credit risk and trigger timely portfolio reviews to find out the root cause of the emerging credit risks and Communicate weaknesses identified to the credit underwritings
2. Ongoing monitoring of the credit quality of the portfolio (portfolio review and early detection of deteriorating credits) by highlighting early warning signs of credit deterioration and advising the turnaround strategy.
3. Perform a comprehensive review of sampled new loans and modifications to identify any credit weaknesses, policy or regulatory violations, servicing deficiencies, or trends.
4. Prepare early warning and checks for adequacy and appropriateness of the information used in the evaluation of the customer Credit applications.
5. Identify, analyze and report to the management the credit risk trend with corrective actions required
6. Ensure that sound credit risk measurement and monitoring tools are developed and implemented in a standardized manner
7. Preparation of weekly, monthly and quarterly credit risk analysis reports by different categories such as loan size, client sector, product, Branch, and Loan Officer and trigger portfolio reviews.
Education/Experience
1. A bachelor’s degree in Banking and Finance, Accounting, Microfinance, Economics, Business Administration, Finance, or any related field.
2. Minimum of 3 years’ experience in credit review, credit analysis, or in a business lending-related position.
3. A Certification in Risk Management Experience
4. Excellent understanding of credit risk management systems
5. Excellent financial analysis skills especially financial ratio analysis to determine credit worthiness.
6. An understanding of the functions of and the implementation of Credit Bureau strategies.
7. Knowledge of current banking laws and regulations required loan documentation and bank lending policies
Special / Personal Abilities
Achieving Capabilities:
• Achieving quality results & service. Practicing accountability & integrity. Communicating information effectively.
Thinking Capabilities:
• Thinking clearly, deeply and broadly. Understanding the Microfinance Industry. Understanding Vision Fund mission and operations.
Self-Managing Capabilities:
• Demonstrating Christian values in life and work. Learning for growth and development. Maintaining work/life balance and effectiveness.
Relational Capabilities:
• Building collaborative relationships. Practicing gender and cultural diversity. Influencing individuals and groups.
Responsibility:
The Risk and Compliance Officer (Credit Risk) main responsibilities are to review and ensure that the credit risk is minimized and the bank is able to recover from any losses that might occur. Additional duties involve performing credit risk analysis and conducting independent loans review to ensure loans are adequately underwritten, properly graded, appropriately priced, and conform to the bank’s policy. The reviews and analysis performed will help the bank manage the risk in the loan portfolio by ensuring compliance with Bank and regulatory requirements, as well as following up on trends identified so appropriate controls can be developed and implemented at VFT MFB.
Main tasks
1. Monitor the bank’s credit risk and trigger timely portfolio reviews to find out the root cause of the emerging credit risks and Communicate weaknesses identified to the credit underwritings
2. Ongoing monitoring of the credit quality of the portfolio (portfolio review and early detection of deteriorating credits) by highlighting early warning signs of credit deterioration and advising the turnaround strategy.
3. Perform a comprehensive review of sampled new loans and modifications to identify any credit weaknesses, policy or regulatory violations, servicing deficiencies, or trends.
4. Prepare early warning and checks for adequacy and appropriateness of the information used in the evaluation of the customer Credit applications.
5. Identify, analyze and report to the management the credit risk trend with corrective actions required
6. Ensure that sound credit risk measurement and monitoring tools are developed and implemented in a standardized manner
7. Preparation of weekly, monthly and quarterly credit risk analysis reports by different categories such as loan size, client sector, product, Branch, and Loan Officer and trigger portfolio reviews.
Education/Experience
1. A bachelor’s degree in Banking and Finance, Accounting, Microfinance, Economics, Business Administration, Finance, or any related field.
2. Minimum of 3 years’ experience in credit review, credit analysis, or in a business lending-related position.
3. A Certification in Risk Management Experience
4. Excellent understanding of credit risk management systems
5. Excellent financial analysis skills especially financial ratio analysis to determine credit worthiness.
6. An understanding of the functions of and the implementation of Credit Bureau strategies.
7. Knowledge of current banking laws and regulations required loan documentation and bank lending policies
Special / Personal Abilities
Achieving Capabilities:
• Achieving quality results & service. Practicing accountability & integrity. Communicating information effectively.
Thinking Capabilities:
• Thinking clearly, deeply and broadly. Understanding the Microfinance Industry. Understanding Vision Fund mission and operations.
Self-Managing Capabilities:
• Demonstrating Christian values in life and work. Learning for growth and development. Maintaining work/life balance and effectiveness.
Relational Capabilities:
• Building collaborative relationships. Practicing gender and cultural diversity. Influencing individuals and groups.
JOB DETAILS:
Job Summary.
Responsible for the provision of technical support of CBS, payment systems and all business application systems to optimize operational efficiency. This position is to address systems issues to sustain application functionality and identify process improvement opportunities across the Bank systems.
This role works closely with the business departments and key vendors to resolve any technical deficiencies, assist with integration needs, implement, and test new functionalities and generally, ensure that Bank systems deliver a quality banking experience as well as contribute to the strategic direction of the Bank.
Effectively manage self-service/channels systems administration, monitoring, integrations, and support: implementation of new and enhancements and 1&2 level support of all channels systems and all Self-service customer-facing systems.
Key responsibilities:
• Providing IT support for all systems under ICT.
• Training end-users on application functionalities and responding to queries raised in a timely manner.
• Implement and/or upgrade applications and provide 1&2 level support for Production, Disaster Recovery site and Tests environments.
• Provide technical support and monitoring of the digital channel systems which include on-call support.
• Provide end-user support; investigate, troubleshoot, document, and resolve hardware and software issues
• Research and recommend innovative ideas, and where possible automation for system administration tasks.
• Execute System integration testing and implementation of system upgrades, hotfixes, and patch releases.
• Participate in migration of systems to new ESB and integration testing during migration of digital channel systems.
• Facilitate automation of new and existing back-office applications.
• Work with Change/Release Management process stakeholders for successful change execution
• Resolving logged tickets in a timely manner.
• Monitoring hardware, software, and system performance metrics.
• Ensure that backups of all administered applications are being performed as per the schedule.
• Working with vendors in the process of troubleshooting escalated incidents including being available 24/7 when needed.
• Providing assurance of Business Continuity through performing Disaster Recovery Tests.
• Define, document, and maintain best practices, and support procedures (configuration, operational etc.)
• Ensuring system security by addressing vulnerability issues for systems under ICT.
• Coordinate with all relevant departments with regards to training and testing on new and existing and upgraded payment applications
• Validating software fixes received from a vendor before deployment in the Production environment.
• Carry out another assignment as may be assigned by the Line Manager and executive management.
Experience, Knowledge, and Skills Requirements
• Bachelor’s Degree in Information Technology, Computer Science, Computer Engineering or any other equivalent and relevant qualification from an accredited institution.
• Minimum of 3 years of general ICT Systems support experience in the banking environment.
• Professional ICT certifications such as ITILv4 is an added advantage.
• Oracle and SQL Server Database knowledge.
• Knowledge of Operating systems like Linux, Unix and Windows Servers.
• Knowledge of system vulnerabilities and security issues.
• Ability to handle numerous concurrent tasks under time constraints, and effectively prioritize and execute tasks in a highly dynamic environment.
• Technical interaction with vendors, contractors, and other stakeholders.
• Demonstrate excellent problem-solving skills and strong conceptual and analytical skills along with the ability to work as an effective team member.
Job Summary.
Responsible for the provision of technical support of CBS, payment systems and all business application systems to optimize operational efficiency. This position is to address systems issues to sustain application functionality and identify process improvement opportunities across the Bank systems.
This role works closely with the business departments and key vendors to resolve any technical deficiencies, assist with integration needs, implement, and test new functionalities and generally, ensure that Bank systems deliver a quality banking experience as well as contribute to the strategic direction of the Bank.
Effectively manage self-service/channels systems administration, monitoring, integrations, and support: implementation of new and enhancements and 1&2 level support of all channels systems and all Self-service customer-facing systems.
Key responsibilities:
• Providing IT support for all systems under ICT.
• Training end-users on application functionalities and responding to queries raised in a timely manner.
• Implement and/or upgrade applications and provide 1&2 level support for Production, Disaster Recovery site and Tests environments.
• Provide technical support and monitoring of the digital channel systems which include on-call support.
• Provide end-user support; investigate, troubleshoot, document, and resolve hardware and software issues
• Research and recommend innovative ideas, and where possible automation for system administration tasks.
• Execute System integration testing and implementation of system upgrades, hotfixes, and patch releases.
• Participate in migration of systems to new ESB and integration testing during migration of digital channel systems.
• Facilitate automation of new and existing back-office applications.
• Work with Change/Release Management process stakeholders for successful change execution
• Resolving logged tickets in a timely manner.
• Monitoring hardware, software, and system performance metrics.
• Ensure that backups of all administered applications are being performed as per the schedule.
• Working with vendors in the process of troubleshooting escalated incidents including being available 24/7 when needed.
• Providing assurance of Business Continuity through performing Disaster Recovery Tests.
• Define, document, and maintain best practices, and support procedures (configuration, operational etc.)
• Ensuring system security by addressing vulnerability issues for systems under ICT.
• Coordinate with all relevant departments with regards to training and testing on new and existing and upgraded payment applications
• Validating software fixes received from a vendor before deployment in the Production environment.
• Carry out another assignment as may be assigned by the Line Manager and executive management.
Experience, Knowledge, and Skills Requirements
• Bachelor’s Degree in Information Technology, Computer Science, Computer Engineering or any other equivalent and relevant qualification from an accredited institution.
• Minimum of 3 years of general ICT Systems support experience in the banking environment.
• Professional ICT certifications such as ITILv4 is an added advantage.
• Oracle and SQL Server Database knowledge.
• Knowledge of Operating systems like Linux, Unix and Windows Servers.
• Knowledge of system vulnerabilities and security issues.
• Ability to handle numerous concurrent tasks under time constraints, and effectively prioritize and execute tasks in a highly dynamic environment.
• Technical interaction with vendors, contractors, and other stakeholders.
• Demonstrate excellent problem-solving skills and strong conceptual and analytical skills along with the ability to work as an effective team member.