Credit Department,Rwanda.Credit Monitoring Manager

Il y a 5 jours

Liège, Belgique KCB Group Temps plein


KEY RESPONSIBILITIES
• Provide the daily system credit monitoring and management reports and identify delinquent accounts with irregularities and proactively follow up to ensure corrective action taken in line with credit policy.
• Ensure the review of the entire portfolio is carried out with an emphasis on the following for day-to-day monitoring purposes: arrears amount and days of borrowers, excess on limits, expired and expiring limits, follow-up on restructured loans which are to be kept under cooling period in observation of BNR regulation.
• Develop, recommend and implement strategies to ensure that the accounts under watch category are upgraded to normal in line with BNR regulations and Bank policy.
• Provide the Slippages review report: ensuring mitigation of the loan portfolio deterioration through daily communication with the business units, a review of the vintage analysis reports, and monitoring of loans near downgrade point.
• Provide the report on monitoring of the insurance renewal period for collateralized loans & covenants tracking.
• Follow up with the BU if the annual reviews for loans are being done and share the report.
• Perform portfolio risk management by continuous follow-up of sectoral concentrations, Single Obligor Limits, etc.
• Prepare required reports indicating the bank’s loans status for submission to the management on monthly basis. And ensure the analysis and reporting of Overdrawn accounts reports is curried out.
• Ensure compliance with Bank’s policies, regulatory requirements and best practice in the monitoring and control process with a view to minimizing Credit Risk.
• Ensure satisfactory audits by facilitating internal, external, and central bank audits, timely closure of all credit risk reviews, internal & external audits, and central bank review findings.
• Assist in preparing various presentations to management and board such as MCRC deck, war room deck, branch MCRC, etc.
• Assist in other tasks such as being the custodian of Credit risk register and follow up in updating the Credit Business continuity plan, etc. DAILY

RESPONSIBILITIES:
• To lead, organize and coordinate the Credit Monitoring team tasks and assignments related to credit monitoring.
• To provide feedback to the different Business Units, management and external partners for all enquiries relating the Loan portfolio
• To submit reports that summarize credit portfolio performance trends and identifying arears of credit risk.
• To tackle irregularities and advise on remedial actions.
• Academic & Professional Particulars Detail Specific Field or Qualification Education Bachelor’s degree Business/finance/accounting/Management
• Experience Detail Minimum No of Years Total Minimum No of Years Experience Required 4 Detail Minimum No of Years Experience area 1 (Monitoring & Reporting) 1 Experience in Credit 3