JOB PURPOSE
Lead the formulation of the early warning process including different dashboards & heat maps, Monitor the portfolio on customer level regularly and ensure timely feedback is received on trigger breaches, and give recommendations for necessary timely actions to ensure proactive follow-up on early stage delinquencies, recommend accounts to be cleared /moved to rehabilitation, collection or EW watch list
Description
1. Oversee the development of Early Warning process including different dashboards to monitor the unsecured assets portfolio on a customer level.
2. Lead the review of the monthly heat map for all clients in the portfolio after discussion with Business Banking Risk Head and Business Head.
3. Follow up on the accuracy and relevance of the dashboards and heat maps and make sure that appropriate modifications are applied.
4. Develop daily/ weekly process / indicators for the Early Warning team.
5. Review and follow up on the team activities regarding the monitoring of the Early Warning customer as well as receipt of fee.
6. Liaise with the underwriting head to communicate alarming signals with actionable interactions, ensuring responding to recommended actions in a timely manner to maintain portfolio quality
7. Oversee the review the Recommendations made by the team and their implementation based on the heat maps and feedback received from Sales/ Underwriters: Clear accounts / move to rehabilitation Officer/ collection or add to the Early Warning watch list.
8. Liaise with the key stakeholders to ensure the quality of the process and the correct implementation of the Early Warning Process, hence visits are done by the sales as well as the risk team in a timely manner.
9. Ensure managing the soft collection and ensure that proper infrastructure of the function to minimize the losses.
Strategy
10. Participate in the formulation and implementation of the Business Banking Risk Department strategy to ensure the alignment with CIB strategy
People Development
11. Supervise the activities and work of subordinates to ensure that all work within a specific area is carried out in an efficient manner and in compliance with the set policies, processes and procedures
12. Ensure that the performance management cycle is efficiently implemented in the team starting from the objectives setting process, developing, coaching and motivating staff, assisting career development, providing regular formal and informal feedback and appraisal in order to maximize overall performance
Policies, Processes and Procedures
13. Participate and recommend improvements to policies, processes and procedures and manage their implementation to ensure all relevant procedural / legislative requirements are fulfilled
Day-to-day management
14. Supervise the day to day operations of the underwriting team providing some guidance in the related area, encouraging teamwork and facilitating related professional work processes in order to achieve high performance standards
Compliance
15. Ensure Compliance with all relevant CBE regulations, banking laws, AML regulations and internal CIB policies and code of conduct in order to maintain CIB’s sound legal position and mitigate any potential risks
Qualifications & Experience
Skills
*Job Weight 21, Eligible Grades (19, 20 & 21)
*Priority of interviews goes to the first 20 eligible applicants according to the set criteria and qualification.
*Please make sure to apply in only one vacancy at a time and to withdraw from the other vacancies.
*Please ensure copying your direct manager in the correct email format (someone.example@cibeg.com) when applying through Taleo so that we can proceed with your application, otherwise, it will be cancelled.
*Post expiry date will be on 24-Aug-2022
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