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.