Senior Risk Officer Rural

Job Title

Sr Risk Officer Rural

Job Description

Responsabilities:

1) Identify Risk - Responsible for second line transactional engagement with the business from origination to final approval, ensuring that risks are properly identified, clients and transactions fit the risk appetite as laid down in the various risk appetite statements within Rural.
2) Risk Assessment - Forms independently an opinion on the acceptability of the risk, in terms of credit, structure, legal, tax, commercial and non-financial risk aspects. Ensures high quality of the proposal prepared by the 1 LoR, well substantiated and timely to facilitate an effective approval and decision process.
3) Approve / Opine on Risk - Decides upon proposals under delegated approval authority or otherwise makes recommendations to approving bodies.
4) Manage Risk- Responsible for second line portfolio risk management via active engagement with the business and relevant Second line and Third line departments. Assess the portfolio on trends, concentration risks, volatility and consequence thereof, taking pro-active actions where needed.
5) Monitor and Review - Contributes to management reporting and ERM reporting. Analyze and learn lessons from events, changes, trends, successes and failures.Detect changes in the internal and external contexts, including changes to risk criteria and the risk itself which can require revision of risk treatments and priorities (Risk Appetite Statement, Policies and Procedures).Identify emerging risks.
6) Network - Builds, maintains and extends a network with the first line. Engages within other Risk Departments and Risk Officers to ensure quality of decision taking, portfolio management and adequate engagement with 1st line business and other stakeholders.Develops and maintains relationship with the relevant second and third line departments (e.g. Legal, Tax, Compliance, IT Ops, Operational Risk, Audit).
7) Training- responsible for Risk awareness trainings to the 1st Line teams and dissemination of the Risk Culture within the 1 LoR.

Requirements:

Bachelors or Masters degree in business, economics, accounting or related areas;

Solid experience in credit risk management. Substantial experience in Risk Management, Risk analysis/ Portfolio Management concepts;

Fluent English.

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