BB QUALITY ASSURANCE & RISK AWARNESS TEAM HEAD

To manage and control the credit quality of the Risk policies & procedures, to ensure its alignment with the bank’s policies, processes and procedures. In addition to managing the awareness of all new-hires employees within the department in terms of planning relevant calendar, materials and assessments developments to assist in enhancing portfolio quality and achieving the groups’ overall objectives.

Job Description\:

Review and Analysis

1.Analyse the credit quality activities for Business Banking Credit Risk, identify early warning signals and recommend action plans to address any incident of breaching and anomalies while abiding by all the policies, SOPs, procedures & CBE Regulations to maintain and enhance the portfolio quality.

2.Review the monthly breaches reports for all policies, SOPs and CBE regulations to maintain an updated status of all the respective accounts and portfolios performance.

3.Supervise the development of the Portfolio at Risk (PAR) reviews for the different products to ensure that values are aligned with the agreed benchmarks.

4.Review the loan loss provisions for all Business Banking products to ensure its alignment with the bank’s guidelines and strategy.

5.Coordinate with the Business Banking Credit Policy team in setting the benchmarks for different Segments/Programs of all the Business Banking Products in order to mitigate potential risks.

6.Review processes of all Credit units and recommend action plans to improve efficiency and effectiveness of the function.

7.Review the results of subordinates call backs for Collectors & Underwriting Analysts to ensure the adherence to the set guidelines and procedures.

8.Review and monitor the periodical sample reviews for Products/Programs which will shifted to Straight Through Processing (STP), report violations to the relevant Business Management team, and recommend adequate training plans (if required).

9.Review the provided entitlements across various departments to ensure alignment to Bank’s Policies and delegation authority matrix stipulated in the Credit Policies.

10.Review current and new relevant systems, validate data accuracy, identify gaps and ensure proper rectification plans are in place.

11.Monitor the customer complains assigned on the different risk departments received from customer complain unit to identify gaps and ensure that proper actions are taken to ensure none recurrence.

Risk Employees’ Awareness

12.Assist in the implementation of the awareness strategy of the Business Banking Risk existing, new hires and external risk agencies’ employees, Monitor and analyse the applied Collections strategies to ensure the portfolio quality is under control and maintain employees’ outstanding performance.

13.Update all awareness materials with any relevant credit policies, processes and procedures amendments / update to cover the gaps identified from the conducted quality check, and ensure delivering comprehensive and accurate awareness sessions to maintain an outstanding performance of all employees.

14.Coordinate with relevant departments to ensure having an update on current, proposed or amended Credit Parameters, challenging accounts and cases to reflect them on the awareness’ materials.

15.Participate in Strategic Risk Projects to coordinate with the different stakeholders and ensure feasibility of requirements and timelines in addition to alignment of staff awareness.

Policies, processes and procedures

16.Implement approved department policies, processes, and procedures and monitor adherence so that work is carried out in a controlled manner.

Day-to-day operations

17.Follow the day-to-day operations related to own job in the Risk Infrastructure & Control department to ensure continuity of work.

Compliance

18.Comply 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.