Our client is one of the committed financial services providers in the Ghanaian Banking industry. In order to maintain and consolidate its position, continues growth and delivery of quality services to its customers our clients is seeking outstanding, dynamic and proficient professionals to drive excellence in its, Risk, Corporate, Finance and Operations departments.

Title: Head of Credit Administration
Report to: Head of Corporate Credit Risk

Summary of Job Purpose

Is responsible for the management and monitoring of offered loans. Manages and checks the quality and profitability of the loan portfolio.

Key Duties

•   Establishes, implements, and manages administrative and review systems and procedures to protect the quality and profitability of the loan portfolio.
•   Identifies potential problems relating to the creditworthiness of clients.
•   Ensures compliance with directives when granting loans, and ensures the correctness of documentation on collateral.
•   Manages the adequacy and completeness of prepared loan documentation.
•   When assisting credit administrators, works on solving and minimising possible losses.
•   Manages credit limits for various categories of clients.
•   Monitors all commercial loans and bank guarantees granted.
•   Is responsible for monitoring payment of loan receivables by clients and informs the relevant bank officials.
•   Monitors receivables both written off and assigned.
•   Is responsible for compliance with agreed payment terms and properly filing client correspondence.
•   Communicates with clients on issues relating to extending loans and credits.
•   Develops strategies for identifying signs of weaknesses in customers payment behaviour
•   Monitors classified and non-performing loans.
•   Monitors the process of obtaining collateral from clients in co-operation with the legal department.
•   Ensures that the calculation of reserves and provisions comply Bank of Ghana regulations
•   Prepares statements from the loan receivables database, prepares information and analyses on loan receivables.
•   Works with financial institutions and the correspondent bank department to prepare supporting material on the bank’s financial position in the loan portfolio area.
•   Is responsible for overseeing compliance with agreed payment terms and properly filing client correspondence.
•   Communicates with clients on issues relating to extending loans and credits.
•   Deliver on additional tasks/responsibilities from the CRO or his designate as and when required.

Key Performance Measures

•   Financial
•   Customer
•   People
•   Governance, Risk And Control

Qualification Required & Experience

•   A minimum of first Degree in Finance/Banking/Business Administration/Management.
•   Minimum of 5 working experience in a risk management environment. A strong track record in management and experience credit risk skills in a dynamic financial/banking institution is an added advantage.

SPECIFIC SKILLS

•   In-depth understanding of the application of the Bank of Ghana Basel II prudential guidelines.
•   Expertise in reviewing Loan Agreements and strong leadership skills in negotiating with business units and back office.
•   Ability to motivate teams and remain committed to achieve business results
•   Expertise in Microsoft office tools(MS Word, Excel, Power Point, Project, Outlook)
•   Excellent interpersonal skills, including oral/written communication and influencing skills
•   Ability to exercise own initiative and deliver to meet deadlines.

CORPORATE/BUSINESS AWARENESS

•   The job holder should be aware of the workings of multiple departments in The Bank to enable him/her plan and organise his/her own work over a defined period of time.
•   An excellent knowledge of risk standards, principles and procedures
•   Awareness of the statutory legislations, banking compliance standards, risk management, The Bank’s internal processes and their impact on planning, originating and managing risk processes.

SOCIAL COMPETENCE

•   Jobholder is expected to build sustaining relationships with both internal and external stakeholders through a combination of effective interpersonal, relationship building and communication skills in order to achieve goals of the Risk Department.
•   The jobholder is expected to be empathetic in providing sensitive and in some cases debatable information and this may include face-to-face communication.
•   Result-oriented and focused in the performance of duties irrespective of challenges encountered notably in a change management and rapidly evolving organisational culture.
•   Excellent networking skills.
•   Proven ability to analyse and solve complex problems.
•   Ability to work in multi-cultural environment, manage and develop others using persuasive arguments.
•   Excellent negotiation skills.
•   Strong organisational and administrative skills.

SCOPE OF THINKING

•   Ability to thoroughly analyse, evaluate, assess impact and interpret various problems and applying sets of rules, standards and methods to arrive at an appropriate solution.

DEGREE OF DIFFICULTY

•   Ability to spend sustained concentration to solve problems as a result of unpredictable events, work patterns, interruptions in meeting deadlines.
•   Role requires ability to assemble relevant data and subject same to in-depth evaluation and risk analysis in order to meet the audit objective with minimum margin of errors.

AUTONOMY OF DECISION

•   Decisions made by the job holder will be guided by clearly defined standards, policies and procedures as the job holder’s work is managed rather than supervised

AREA OF INFLUENCE

•   Expected to work within functional areas of authority
•   Responsible for training, career development and coaching of others

IMPACT OF INFLUENCE ON TARGET ACHIEVEMENT

The role provides information and advisory support that directly and indirectly influences the achievement of targets of other functional units

Location: Accra

How To Apply For The Job

Interested applicants should please apply by 29 May 2015 through:

E-mail:- hr@kpmg.com.gh

Or

Post -  HR Advisory Services

KPMG
Marlin House
13 Yiyiwa Drive
Abelenkpe
P.O. Box P 242
Accra

Closing Date: 29 May, 2015