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, Credit Originations Support Unit
Report to: Head of Corporate Banking

Summary of Job Purpose:

•   This is a management position whose primary objective is to contribute to the overall credit and business objectives of the Corporate Banking Department of the Bank Ltd by providing the needed leadership to the Credit Originations Support Unit to consistently achieve set targets.

•   As Head of the Credit Originations Support Unit, you will be responsible for leading a team of credit professionals to provide practical structuring solutions based on an understanding of customers’ needs and serve as a conduit to the Credit Risk Unit of Risk Management Department for sanctioning of credit applications. You will lead the Credit Originations Support team to load financial information (Profit & Loss Accounts, Balance Sheet and Cash Flow Projections) of all the Department’s credit customers into Moody’s Credit System and maintain integrity of the data. Additionally, you will ensure the development of sector-specific expertise within the team for the preparation of high quality and consistent credit applications for a defined list of clients, drive a high level of customer service to internal stakeholders whilst ensuring adherence to the bank's risk and business objectives. You will also support the Head of Corporate Banking Department in delivering effective performance development for the Credit Originations Support Team.

•   The role will require building external partnerships and working with internal stakeholders across the Bank for delivery of world-class solutions to customers.

Key Duties:

•   Responsible for risk structuring of credit transactions and co-ordinating with Risk Management Department for sanctioning.
•   Develop and lead the execution of the Credit Originations strategy as part of the overall Corporate Banking Department strategy.
•   Partner Corporate Relationship Managers to maximize credit opportunities for both existing and potential corporate clients.
•   Maintain risk alertness, recognize and advise Head of Corporate Banking of adverse business cycles or early warning signals across the Corporate Banking market.
•   Develop risk reporting tools for trend analysis and ad-hoc reporting as required to Head of Corporate Banking or designated officers
•   Ensure satisfactory ratings in internal and external audits.
•   Review the business, credit approval policies and guidelines making recommendations to Head of Corporate Banking for improvement where appropriate.
•   Ensure compliance with credit policies, procedures as well as regulatory requirements, assess essential causes for exceptions and provide proper recommendations for appropriate corrective measures.
•   Ensure satisfactory ratings in internal and external audits.
•   Lead the Credit Originations Support Team to consistently deliver agreed targets through the creation of a high-performance environment.
•   Undertake performance management of Credit Originations Support Team and agree steps to enhance individual and overall team performance.
•   Maximise performance of the Credit Originations Support Unit by identifying individual development and training needs and ensure coaching and training take place to build capacity. ? Drive efforts to identify and implement service behaviours that deliver world-class corporate credit support to Corporate Relationship Management Teams.
•   Prepare periodic reports to Head of Corporate Banking or designated officers of the Bank as required.

Key Performance Measures:
FINANCE: Costs, % Deviation from Budgets
CUSTOMER: Customer Satisfaction
PEOPLE: Performance Improvement Plans, Performance Development Plans, Training, Coaching and Mentoring.
GOVERNANCE, RISK & CONTROL: Turnaround, processes reengineering, no regulatory breaches, deliver “no surprise” environment.

Qualification Required & Experience

•   A Master’s Degree and relevant professional qualification in multiple disciplines.
•   A minimum of 8 years direct experience in corporate banking at a senior level with focus on credit risk management and structuring of credit deals.
•   At least 5 year’s people management experience at a senior level including building and managing a team.

Specific Skills:

•   In-depth knowledge in credit risk management is essential.
•   Excellent knowledge in banking operations, compliance, general banking regulations, regulations and procedures and the Bank policies and processes to produce quality work outputs.
•   Strong analytical and problem-solving skills especially in a change management setting.
•   Strong practical Credit structuring skills.
•   Excellent communication skills, i.e. writing, presenting and listening skills.
•   Excellent negotiation and influencing skills that ultimately delivers superior results.
•   Strong leadership and decision making skills.
•   Ability to handle pressure, manage change effectively and work in a dynamic environment.
•   Excellent interpersonal and people management skills including motivation and developing others.
•   Results oriented with drive to exceed set targets and the initiative necessary to take on new responsibility.
•   Proficient computing skills (i.e. Word, Excel, and PowerPoint).

CORPORATE/BUSINESS AWARENESS

•   A good knowledge of the workings of multiple departments that enables jobholder to plan and organise a wide range of activities which require regular monitoring and reasonable changes over a period. This is to ensure achievement of both departmental objectives and short to long term corporate goals.
•   A sound commercial knowledge of the business environment, and understanding of financial and technical issues affecting various banking clients.
•   Awareness of the statutory legislations, banking compliance standards, credit risk management, the Bank’s internal processes and their impact on origination, structuring and management of credits.
•   A good knowledge of the workings of multiple departments that enables jobholder to plan and organise a wide range of activities which require regular monitoring and reasonable changes over a period. This is to ensure achievement of both departmental objectives and short to long term corporate goals.
•   A sound commercial knowledge of the business environment and understanding of financial and technical issues affecting Corporate Banking clients.
•   Awareness of the statutory legislations, banking compliance standards, credit risk management, bank’s internal processes and their impact on origination and management of corporate clients.

SCOPE OF THINKING

•   Ability to diagnose and analyse problems and find solutions in the form of designing processes, systems and or products/services including their risk impact within limited (given) time frame.
•   Ability to weigh complex issues quickly and take initiative based on given range of options within limits of authority.
•   Apply solutions relevant to the complexity, scope and magnitude of problems impacting on corporate credit activities in unexpected scenarios.
•   Resourceful, able to produce imaginative solutions to problems and suggest new ways to doing things.

AUTONOMY OF DECISION

•   Decisions made by the jobholder will be guided by the Bank’s standards and policies as well as external regulatory standards.
•   Recognises priorities and weighs up different options to determine potential risks and benefits prior to making recommendations.
•   The jobholder can make independent decisions within their delegated areas of authority.

AREA OF INFLUENCE

•   Responsible for supervising, training, career development and coaching of Credit Analysts in the Corporate Credits Team.
•   Entirely responsible for safety and records of physical assets and information resources allocated to the Corporate Credits Team.

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 House13 Yiyiwa DriveA belenkpe
P.O. Box P 242 Accra

Closing Date: 29 May, 2015