Team Lead, External Reporting & Credit Bureau Management at United Bank for Africa Plc (UBA)

Team Lead, External Reporting & Credit Bureau Management at United Bank for Africa Plc (UBA)

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United Bank for Africa Plc (UBA) is one of Africa’s leading financial institutions, with operations in 19 African countries and 3 global financial centres: London, Paris and New York. From a single country organisation founded in 1949 in Nigeria UBA has grown to become a pan-African provider of financial services with over 11 million customers, through close to 1000 business offices and touch points globally.

We are recruiting to fill the position below:

Job Title: Team Lead, External Reporting & Credit Bureau Management

Location: Nigeria
Job Type: Full-time

Job Profile

  • We are looking to hire a talented and experienced individual for External Reporting and Credit Bureau function
  • The ideal candidate must have 5-10 years experience in Banking with at least 4-5 years leading a team in Credit Risk function.

Job Objective(s)

  • To ensure that credit information checks are conducted on prospective borrowers on the relevant credit bureaus platform and on CBN CRMS for every approval/disbursement.
  • To obtain CBN credit Reference code required prior to every credit disbursement.
  • To comply with regulatory requirements on CRMS & Credit Bureau services.
  • Customer’s search reports on CRMS & 2 Credit Bureau reports.
  • Collate requests from Business office/units on CRMS and Credit Bureau from the Credit Bureau portal.
  • Collate list of customers from the attached templates and conduct enquiry through Credit Bureau/CRMS/CBN Server.
  • Revert to enquirer on the result within 24 hours.
  • Obtain data for updating customers’ information on CRMS 100, CRMS 200 and CRMS 300 reports.
  • On submission of returns on CRMS100, CRMS200 and CRMS300, CBN provides a unique code for each of the credit record submitted used for the update.
  • Prepare and transmit CRMS 400 on or before the 14th day of each month.
  • Conduct Daily Update on Bureau Databases to reflect Customers Status.
  • Check for correctness of credit details, authorize and transmit to CBN’s CRMS database UBA Africa Subsidiaries Loans Report.
  • Generate monthly Data Exchange Using the template advised by CBN to transmit Report to Credit bureaus.
  • Obtain, analyze and report Credit Portfolio Information received from at least 2 of Credit Reference company (CRC), First Central bureaus and Credit Registry/.
  • Send Advice to Credit Monitoring, Credit Recovery and Business Units for appropriate actions to strengthen the bank’s hold on customers’ businesses.
  • Preparation and rendition of Environmental and Social Mgt., Anti-money Laundry and other related reports.
  • Make proper analyses of raw data received from IT teams, operations team, offshore offices and Finacle support of IT department/ unit and prepare reports on monthly bases.
  • Prepare monthly Anti-Money Laundry reports.
  • Attend to CBN/NDIC Audit (Spot checks/Ad-hoc basis) on CRMS and Loans.
  • Validate external reports with FINCON and Regulatory reporting units.
  • Prepare Environmental and Social management system for Business Activities report on a half- yearly and yearly disclosure bases and render same to CBN in prescribed format.
  • Assigning relevant CRMS codes to existing and new facilities.
  • Prepare reports in line with Rating agencies templates.
  • Assign relevant codes to existing and new facilities.
  • Send CRMS 400C for updating information provided the CRMS database.
  • Take further actions to close any reporting gap.
  • Verify the correctness of credit details, authorize and transmit to CBN’s CRMS database.
  • Preparation and Rendition of Loan Impairment and Other Regulatory reports.
  • Review Schedules of Bonds and Guarantees, Letters of Credit, BACP and Risk Assets Download as input to Loan Impairment report.
  • Prepare Loan Impairment worksheet in line with IFRS standards.
  • Prepare monthly Loan Loss Report for CBN Prudential Classification.
  • Prepare monthly Top Obligors report.
  • Prepare weekly Interest rate reports.
  • Prepare monthly Agriculture Credit Support Scheme.
  • Prepare Agriculture Credit Guarantee Scheme report – Quarterly.
  • Prepare Public Sector report.

Minimum Education Qualifications

  • First Degree in any field.
  • Masters’ Degree or a professional qualification will be an advantage.

Previous Work Experience Requirements.

  • Minimum of 5 -10 years experience, out of which 5 years must have been spent in a credit risk management function.

Skills Required:

  • Good knowledge of Microsoft program.
  • Numerical/Analytical skill.
  • Up to date understanding of implication of changes in macro-economic variables.
  • Working knowledge of the Bank’s Apps.

Knowledge:

  • Knowledge of and adherence to Bank’s Credit Policies and procedures.
  • Firm grasp of CBN monetary policies and guidelines.
  • Good understanding of the Nigerian Banking Industry.
  • Working Knowledge of International Financial Reporting Standards (IFRS).

Application Closing Date
Not Specified.

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