Senior Risk Officer � Credit Risk   To highlight the areas of risk through the process of Risk Assessment, Branch - Retail Banking and Business Banking and Corporate Banking  inspections 1. Vets all credit given in terms of Risk and Policy Guidelines.
2. Undertakes 100% inspection of Branch and Group Credit Services Advance portfolio and preparation of relevant reports thereof. 
3. Compiles various detailed regulatory reports (notably Credit Risk Weekly, Board Risk, Board Loans, Bad Debts Review, ALCO, CQC, CRR, 10% Capital Base, Provisioning, Deposit Analysis and Loan Book Analysis) for General Management. 
4. Maps excesses inspected, highlighting areas of risk and maps any account rated poor until such time as it is cleared or handed over to Recoveries with interest reservations in place. Maps excesses and makes queries with lending arms, i.e. by checking that they are reported on, confirmed, liquidated and do not feature for more than thirty days. 
5. Checks appropriateness of account parameters (namely account classifications, interest parameters, lender limits etc).
6. Ensures that all accounts are correctly classified through vetting Client Quality Classification, Security Classification and the resultant Credit Risk Rating. 
7. Prepares ad hoc reports, maintains and undertakes all filing. 
8. Recommends to lending arms the areas/oversights that they must consider when granting facilities thus minimising the risk element.
9. Decides the risk to attach to advances given by lending arms. 
10. Formulates and updates credit risk manuals and policies.  
11. Ensures all bad accounts i.e. accounts classified as CC, C and D are dealt with in terms of Reserve Bank Guidelines/ Prepares the Provisioning Report.
12. Contributes to Strategic Planning � Yearly Planners and Risk Control Matrices.
13. Maintains an effective diary system to follow up with lending arms, departments and branches on outstanding matters relating to risk. 
14. Compiles reports to Head of Department when Lending Offices and branches operate outside their terms of reference. 
 Report Review

Meetings/Discussions
Perfomance reviews
 None  Analyses account perfomance prior to making recommendations on account risk ratings
 Schedules for onsite and offsite branch inspections pre-inspection plans detailing the scope and objectives of the inspection exercise
 Obtains IS extracts for Credit Risk weekly report, Client Quality Classification, Credit Risk Rating, Insider Loans Return, 10% Capital Base Exposures, and loan book reports and ensuring accuracy of the data against control tools
 Gathers data needed to make reports for management
 Gathers data for adhoc reports (including IS data extracts) 
 Gathers data needed to make policy amd manual reviews and model development
   A degree with a financial bias, preferably in Banking, Finance, Economics or Mathematics/Statistics  Professional courses in Credit Risk Management and related fileds e.g. Financial Risk Management (FRM), Professional Risk Managers� International Association (PRMIA), Certified Basel ii Professional (CBiiPro), Chartered Financial Accountant (CFA), Global Association of Risk Professionals (GARP), The Institute of Risk Management (IRM), ICA Diploma in Governance, Risk and Compliance 4 years  Must have computer skills
 Must have skills in research and analysis
 Must be able to conduct mathematics and numeric analysis
 Must have project management skills
 Must be abe to collect and organise information
 Must have problem solving & critical thinking skills
 Must have excellent time management skills
 Must be able to work with very minimal supervision
 Must be innovative
 Must be a team player
 Must have strong interpersonal skills
  Decides the risk to attach to advances given by lending arms  Developing mathematical models to augment weak rating systems

Job evaluation subgrade: C