Head, Credit Risk

Company Description

Deloitte is the largest private professional services network in the world. Every day, approximately 457,000 professionals in more than 150 countries demonstrate their commitment to make an impact that matters.

Deloitte West Africa is a cluster of Deloitte offices that has joined together to provide seamless cross-border services to our clients in the region and to pass on the benefits of scale and access to resources that this organisation can generate.

In Ghana, Deloitte is one of the leading professional services organisations, specialising in providing Financial Advisory services, Risk Advisory, Audit, Tax & Regulatory, Business Process Solutions and Consulting.We serve clients in a variety of industries from financial services, to consumer business and industrial products, telecommunications, energy and resources, manufacturing and the public sector.

Our professionals are unified by a collaborative culture that fosters integrity, outstanding value to markets and clients, commitment to each other, and strength from cultural diversity. They are dedicated to strengthening corporate responsibility, building public trust, and making a positive impact in their communities. We understand that our professionals hold interests outside of the workspace and we aim to encourage work/life balance, supporting them in all aspects of their lives.

Job Description

Job Purpose

Responsible for implementing effective and robust risk management and risk appetite infrastructure to ensure a proactive and disciplined approach to the management of risk throughout the bank in order to meet internal and external statutory requirements and also balance business growth and profitability against soundness and stability. Responsible for ensuring that appropriate risk management assurance frameworks, policies and strategies are developed and implemented to identify, measure, monitor and control operational, market, legal and reputational risks confronting the institution.

Key Responsibilities

 Develop and implement strategies, objectives, financial budget and other support systems (operating manuals and procedures, etc.) including monitoring mechanisms in managing the Credit Risk Management.

 Develop standards, risk measurement models and controlmechanisms for credit risk management.

 Conduct risk assessments analysis of various types of lending proposals.

 Develop, implement and monitor the Bank’s credit policy and processes

 Provides leadership in evaluating the creditworthiness of counterparties and suppliers.

 Monitor to ensure that appropriate dual controls are implemented in the credit processes which are designed to prevent and protect against errors.

 Develop and promote adherence to credit risk policies and procedures, risk measurement and reporting.

 Monitor to ensure credit compliance with legal and regulatory requirements.

 Monitor internal controls and recommend corrective action to be taken where weaknesses are detected.

 Provide management and the Board with appropriate risk data and maintain, update and implement risk policies.

 Prepare and submit periodic reports on Credit Risk Management

 Develop operating manuals for all Credit Risk Management units and ensures they are updated

annually

 Proactively manages the provisioning and write-offs policies of the Bank

 Monitor and review local and international legal and regulatory developments that impact risk and lending

policies, including customer documentation/terms and conditions.

 Monitor national economic indicators and their impact on the Bank’s credit portfolio

 Responsible for the management of risk related portfolio

work outs

 Any other duties assigned by Supervisor

Qualifications

Education and Experience

 First degree plus MBA Finance / Economics, Banking or its equivalent

 10 years of progressive responsible experience in credit risk management, credit administration, credit review or risk exposure modeling.

 3 years of the experience should be in a managerial role

Skills And Knowledge

 Strong knowledge of corporate finance and accounting

 Strong experience with statistical methodologies and financial modeling

 Strong quantitative and analytical skills

 Knowledge of Banking practices & regulations

 In-depth knowledge of financial and credit risk analysis

 Experience in Banking Operations

 Knowledge of operational / credit risk management.

 Knowledge in current economic trends

 Strong analytical and conceptual skills

 Good negotiation and networking skills

 Excellent report writing, verbal communication and presentation skills.

 IT experience, including the use of word, excel and project management software.

 Ability to work with tact and discretion; and with political sensitivity.

 Able to work on own initiative and have excellent organizational skills.

 A high level of maturity and ability to inspire confidence and motivate staff to be results-oriented.

Additional Information

Leadership Capabilities

• Living our Purpose - Identifies and embraces our purpose and values and puts these into practice in their professional life.
• Influence - Builds relationships and communicates effectively in order to positively influence peers and other stakeholders.
• Performance drive - Seeks opportunities to challenge self; teams with others across businesses and borders to deliver and takes accountability for own and team results.
• Strategic direction - Understands objectives for clients and Deloitte, aligns own work to objectives and sets personal priorities.
• Talent development - Develops self by actively seeking opportunities for growth, shares knowledge and experiences with others, and acts as a strong brand ambassador.
  
  

Cross Consulting / Core Professional Capabilities

• Delivery Excellence - Ability to produce a high-quality work product and collaborate with others to deliver a superior client experience.
• Knows the Business and Sector - Ability to understand how business functions operate and how sector trends impact a client’s business.
• Analytical Thinking & Problem Solving - Ability to select appropriate methods for collecting and analysing data and develop informed recommendations that shape or support the client’s business strategy.
• Financial Acumen - Ability to incorporate financial information when evaluating strategic options.
• Client Presence - Ability to deliver key messages with clarity, confidence, and poise to instill confidence in clients.
• Logical Structuring - Ability to organize insights and define a logical flow to tell a story when presenting recommendations.
• Global Mind-set - Ability to apply a global and diverse perspective to problem solving.
• Technology Fluency - Ability to apply technical knowledge to address client business challenges.
• Solutioning - Ability to operate in an ambiguous environment and work independently.
• Leadership - Ability to lead teams or experience in having to lead teams on projects.
  
  

What Impact Will You Make?

Every day, your work will make an impact that matters, while you thrive in a dynamic culture of inclusion, collaboration and high performance. As the undisputed leader in professional services, Deloitte is where you’ll find unrivalled opportunities to succeed and realize your full potential.

How You Will Grow

At Deloitte, our professional development plan focuses on helping people at every level of their career to identify and use their strengths to do their best work every day. From entry-level employees to senior leaders, we believe there’s always room to learn. We offer opportunities to help build world-class skills in addition to hands-on experience in the global, fast-changing business world. From on-the-job learning experiences to formal development programs at Deloitte University, our professionals have a variety of opportunities to continue to grow throughout their career. Explore Deloitte University, The Leadership Centre. https://deloitte.zoomforth.com/du

Benefits

At Deloitte, we know that great people make a great organization. We value our people and offer employees a broad range of benefits.

Our Purpose

Deloitte is led by a purpose: to make an impact that matters. Every day, Deloitte people are making a real impact in the places they live and work. We pride ourselves on doing not only what is good for clients, but also what is good for our people and the communities in which we live and work—always striving to be an organization that is held up as a role model of quality, integrity, and positive change. Learn more about Deloitte’s impact on the world. https://www2.deloitte.com/global/en/pages/about-deloitte/articles/impact-that-matters.html

Recruiter Tips

We want job seekers exploring opportunities at Deloitte to feel prepared and confident. To help you with your interview, we suggest that you do your research: know some background about the organization and the business area you’re applying to.

Please note that candidates that do not attachtheir resumes and academic credentials will not be considered.

Applications from all qualified individuals should be sent by 24th January 2025

At Deloitte, we want everyone to feel they can be themselves and to thrive at work—in every country, in everything we do, every day.We aim to create a workplace where everyone is treated fairly and with respect, including reasonable accommodation for persons with disabilities. Weseek to create and leverage our diverse workforce to build an inclusive environment across the African continent.

Note: The list of tasks / duties and responsibilities contained in this document is not necessarily exhaustive. Deloitte may ask the employee to carry out additional duties or responsibilities, which may fall reasonably within the ambit of the role profile, depending on operational requirements.

Be careful

Don’t provide your bank or credit card details when applying for jobs.

It is strictly against Deloitte policy for candidates to pay any fee in relation to our recruitment process. No recruitment agency working with Deloitte will ask candidates to pay a fee at any time.










<