Head of Risk at Fina Trust Microfinance Bank

Fina Trust Microfinance Bank is one of Nigeria’s foremost Microfinance Bank. Its final license was secured from the Central Bank of Nigeria in September 2009 as Microfinance Bank and commenced operations in October 2009.

At Fina Trust Microfinance Bank, we have built our resounding success on excellent service delivery in a uniquely customer friendly environment through professional staff, leveraging on world-class technology. Our continuous investment in information technology and our people sets us apart from others.

In the last few years, we have attracted patronage from the Small & Medium Scale subsector of the economy, carved a niche as a supportive Bank for Retail businesses and empowering Micro businesses through distinctive services. The Bank’s commitment to value creation for all its stakeholders has earned it a solid reputation as a responsible corporate citizen and employer of choice. As the fastest growing Microfinance Bank in Nigeria, we share the privilege of empowering our Customers with Business loans in excess of NGN 20 Billion over the last 5 years.

Today’s Banking is borderless and without restrictions, consequently we have developed an unparalleled strategic alliance with Sterling Bank Plc and Fidelity Bank Plc to enable our Customers deposit or withdraw from any of these Bank branches. This opportunity creates over 250 strategic locations for us to meet our customers’ needs. More so, our recently launched state of the art technology provides ease for the use of ATM Cards, POS terminals, Electronic transfers and Mobile banking.

At Fina Trust, we tailor our customers’ needs specifically to bespoke products to fit perfectly their needs. No matter what your priorities are, our exceptional service, unique benefits and expert solutions are tailored to help you achieve them all.

Why don’t you join the Fina Trust family today and enjoy our unequalled service delivery.Objectives

Establish an integrated Risk Management framework for all aspects of risks across the Bank; develop risk management policies, including the qualification of the Bank’s risks appetite through specific risk limits.

Primary Responsibilities

Appraising and analysing all loans requests with aim of protecting the Bank’s risk assets while ensuring that the loans appraised are in line with the Bank’s credit policy.
Ensure the achievement of stated turnaround times for loan review, analysis, appraisal on daily basis.
Ensure all required data/information are correctly entered and considered for credit decision making.
Reconcile all basis of recommendation of loan on cash flow/capacity.
Ensure PAR of the allocated branches’ portfolio is not more than 5%.
Attend to customer’s request both physically and in proxy in a friendly and welcoming manner to gain repeated business.
Ensure provision of timely report on all credit related report, conducting credit check on loan customers.
Monitoring of credit risk development and quality at portfolio level, proposes measures for improvement, prepares credit risk report.
Supervision of the work on credit risk policies, rules and methodologies
Ensure effective management and resolution of conflicts, build participative processes that can accommodate requests at short notice in order to derive the maximum mileage for the organization in a rapidly changing/dynamic environment.
Ensure operational and service excellence in the FTM Bank branch network
Participate in managerial and departmental decision making which would result in adding value to the organisation as a whole.
Safeguard the confidentiality of all information pertaining to the FTM Bank obtained externally or internally during the course of employment and refrain from disclosing same to any third party
Create and facilitate co-operation and effective two-way communication among all stakeholders including employees and constituents to create win-win results.
Take the ownership of maintaining a harmonious industrial relationship at the Bank.

Education and Experience

Bachelor's Degree in Finance, or related field required.
5 – 10 years of related experience preferred.
Microfinance experience is an added advantage.

Required Skills and Qualifications;

Thorough understanding of policies and best practices of risk management.
Excellent verbal and written communication skills.
Excellent mathematical and critical thinking skills.
Excellent analytical and problem-solving skills.
Excellent organizational skills and attention to detail.
Strong supervisory and leadership skills.
Proficient with Microsoft Office Suite or related software to prepare reports and policies.


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