Country Credit Head

- Review and assess Credit Reports submitted by the business lines based on respective policies, procedures and approved authorities matrix to ensure long-term asset quality through review of credits presented for approval.
- Recommend approval/rejection of the Credit Request to respective credit committee, providing risk mitigation solutions/alternatives when necessary in line with the policies spirit, guidelines and overall risk appetite.
- Maintain the Credit Rating/Scoring system(s) and ensure it is updated/upgraded in a timely manner in line with Head Office guidelines, and ensure it is adequately implemented by the line of business.
- Maintain and recommend changes to the pricing policies periodically and reevaluate the adequacy and effectiveness of established policies and procedures, considering the risk appetite of the Bank and monitor its implementation.
- Review regular credit control reports relating to the portfolio credit performance and initiate necessary actions with Country CIB & Head Office on any policy breaches /negative indicators.
- Provide and communicate accurately any feedback/recommendations to Head Office regarding credit policies & procedures adjustments/changes.
- Oversee remedial activities and provide input & guidance with respect to settlement arrangements/deals on classified /non-performing accounts, and ensure to meet Remedial yearly targets.
- Oversee the Credit Administration activities and ensure strict implementation of the policies and procedures and the uniformity of appraisal engagements and reviews.
- Prepare, implement and adhere to the country credit annual budget.
-  Evaluate credit risk ratings and their accuracy established by lending officers and interpret risk ratings definitions and provide training to lending and credit personnel on risk ratings.
- Assess periodically the quality of analytical analysis performed by lenders.
- Work with the respective account officers, credit review and compliance to ensure that the new and existing credits are properly documented and appropriately perfected.

Job Details

2016-08-28	تاريخ الإعلان عنها:
الجزائر, الجزائر	منطقة الوظيفة:
الإدارة	الدور الوظيفي:
بنوك	قطاع الشركة:

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