Vacancies at UNITED BANK FOR AFRICA (UBA)

CREDIT ADMINISTRATION OFFICER

JOB DESCRIPTION

Internal /External

Minimum Grade to apply (ABO -SBO)

Department: Risk Management

Reporting Line: Head Credit Risk Management

Location: Head Office

 

 

Job Objectives

 

To ensure seamless processing and excellent service delivery in credit availment whilst ensuring strict adherence to bank’s credit policies.

 

Role & Responsibilities

 

 

• Manage Credit Availment and Loan disbursement shop to ensure timely and error-free processing.

 

• Ensure that all properly approved facilities with all terms and conditions met for Head Office availment are treated with dispatch.

 

• Ensure proofing of accounts and clean-up of all open items.

 

• Ensure collection of all Bank interest and fees income.

 

• Ensure Bank Cheque are issued where stipulated by credit availment tickets.

 

• Ensure cordial and friendly relationships with all internal customers and external and regulatory agencies such as COBAC, BEAC and External Auditors.

 

• Attend promptly to correspondence and inquiries.

 

• Resolve issues and challenges for better service delivery

 

• Organize on-the-job and external training programmed to empower staff with relevant skills to enhance excellent performance.

 

• Evolve a crop of multi-disciplinary skilled staff for the actualization of the Group objectives

 

• Authorization of processed jobs.

 

 

 

Key Performance Indicator

• Customer Satisfaction through prompt service delivery on various products.
• Error Free Processing.
• Quality GLs and Account proofs
• Continuous Improved capabilities of staff.

 

EDUCATION REQUIREMENTS

 

First degree, MBA, MSC, MA, ML and/or Professional Qualifications compulsory

 

EXPERIENCE

 

4 years relevant banking experience; 3 years non–banking but related experience

 

Key Competencies:

 

Knowledge

 

• Banking Operations
• Credit products and dynamics
• Industry Knowledge
• Awareness of relevant regulatory circulars

Skills/Competencies/Aptitudes

 

• Professional disposition, Strategy formulation & Business Awareness, Creativity & Innovation, Resource Management, Delegation & Empowerment, Ability to Inspire & Manage Change, Analytical Thinking, Decision Making, Problem Solving, Diversity Management

 

• Interrogatory skills; Communication skills; Fraud Detection & Control; Internal Audit practice; Accounts Management; Analytical and Investigation Skills; Auditing Skills

 

• Accounting Skills; Comprehensive Banking Operations (Domestic and Foreign) Skills;

 

• Comprehensive Treasury skills, Comprehensive Credit Skills;
• Policy and Regulatory Interpretation skill and Implementation capability; Extensive Working Knowledge of Microsoft word, Excel and power point and Intranet Mailing facility
• Conceptual Skill

 

 

 

Application Submission

Candidates should send their resume and motivation letter to hcmrecruitcameroon@ubagroup.com, with the heading “CREDIT ADMINISTRATION OFFICER“No later than September 29, 2024

 

Only shortlisted candidates will be contacted to proceed to the interview stage.

 

UBA Cameroon is committed to meritocracy and inclusiveness and will not unfairly discriminate in recruitment, training, career development and promotion based on race, color, ethnicity, gender, marital status, disability, religion or belief and age.

 

 

If you do not receive any response 01 month after this publication, kindly consider your application as non-accepted for this time

 

 

CREDIT CONTROL TEAM MEMBER – CEMAC HUB

VACANCY ANNOUNCEMENT

Internal /External

Minimum Grade to apply (ABO -AM)

Department        : Risk Management

Reporting Line    : Team Lead, Credit Control

Location              : Douala

Number               : 04

 

 

 

Duties and Responsibilities

• Ensuring that approved credits are within the confines of the bank’s policy and regulatory requirements.
• Ensuring that credit approvers comply with the credit signing limits provisions of the credit policy.
• Reviewing all pre-disbursement/collateral conditions to ensure they are in place prior to the availment of facilities or issuance of bonds/guarantees/ISPO.
• Processing deferral/waiver requests and ensuring that approval is duly obtained in lieu of documentation gaps.
• Issuing bonds and guarantees/ISPOs in line with approval.
• Others as may be directed by Management.

 

 

KEY PERFORMANCE INDICATORS

• Quality of Credit Review
• Timely and accurate pre-disbursement review of approved loans
• Level of risk awareness created in the Bank via awareness campaigns on credit documentation.
• Compliance with all regulations and with zero tolerance for regulatory infractions and penalties;
• Achieve maximum  <3%  NPL Ratio
• Zero regulatory/statutory/policy infraction and regulatory penalties. (External Auditors and Regulators’ Exceptions on Credit Risk Mgt related issues)
• Timely rendition of Management reports
• Review of documentation to ensure complete satisfaction of conditions precedent                 (policy guidelines and regulatory provision)
• Issuance of CACOMS and conveyance of approvals in line with approval terms and condition
• Issuance of Bonds and Guarantees in line with approval conditions

 

 

Minimum Education Qualifications

• University first degree
• (BA LAW, LLM, MBA, MSC, MA, ML and/or Professional Qualifications is an advantage)

 

Work Experience

 

Legal documentation/Credit risk management

 

Key Competencies:

 

Knowledge

• Knowledge of Credit Risk Management
• Legal Documentation review
• Deep knowledge of the Bank’s Products, Services and Processes
• Familiarity with the current regulatory environment
• Practical knowledge of Credit Analysis and Credit Risk Management
• Extensive knowledge of the bank’s credit policies and
• Sound Knowledge of Central Bank’s policies, regulations and frameworks and their effects on business environment
• Good knowledge of International Financial Reporting Standards
• Excellent interpretation of business needs into operational
• Good Understanding of the relevant Banking Laws and regulation
• Good understanding of the macroeconomic environment

 

Skills/Competencies/Aptitudes

• Conceptual skills
• Analytical skills
• Good Interpersonal and Communication Skills
• Strong attention to Details
• Ability to work under pressure
• Ability to demonstrate initiative
• Strong interpersonal skills

 

 

Application submission

Candidates should send their resume and motivation letter to hcmrecruitcameroon@ubagroup.com, with the heading “CREDIT CONTROL OFFICER  – CEMAC HUB“ Later September 29, 2024

 

Only shortlisted candidates will be contacted to proceed to the interview stage.

 

UBA Cameroon is committed to meritocracy and inclusiveness and will not unfairly discriminate in recruitment, training, career development and promotion on the basis of race, color, ethnicity, gender, marital status, disability, religion or belief and age.

 

 

If you do not receive any response 01 month after this publication, kindly consider your application as non-accepted for this time

CREDIT RISK MONITORING TEAM MEMBER

JOB DESCRIPTION

Internal /External

Minimum Grade to apply (ABO -SBO)

Department          : Risk Management

Reporting Line       : Head Credit Risk Management

Location               : Head Office

 

 

Job Objectives

• Coordinating and maintaining accurate and robust loss databases in the Bank in compliance with the Requirements of Basel II Accord and meet Regulatory standards for Operational Risk Capital Calculation by Financial Institutions
• Develop and Maintain Business Environment Internal Control Factors Library (BEICFs)for Operational Risk Measurement and Management
• Loss Reporting training interventions
• Monitor the risk profile of UBA Cameroon its business units – via changes in Key Risk Indicators (KRIs) – and report to relevant stakeholders when risks go beyond the Group’s risk appetite/ tolerance levels
• Establish and maintain a risk mitigating/corrective action plan database for UBA Cameroon
• Tracking and Reporting of Unresolved Risk Mitigating Action Plan

 

Role & Responsibilities

• Proper classification of losses and loss events as per Basel II Accord specifications
• Proper classification of losses and loss events as per Basel II Accord specifications

 

• Analysis and maintenance of BEICFs database from such sources as Audit exceptions, System Downtime report, Disciplinary Committee

 

• Identification of relevant External loss events for inclusion in the loss database

 

• Monitoring and Reporting on emerging risks and high-risk exposures from the losses and loss events, Investigation /Audit/Legal/Customer Service/Disciplinary Committee reports

 

• Identify emerging/key risks from loss database based on frequency, impact and control environment and proffering controls/mitigants to be put in place to forestall recurrence of Operational Losses in the Bank

 

• Reconciliation/validation of the Loss Data

 

• Follow up with stakeholders on implementation of risk mitigating action plans

 

• Timely escalation of Unresolved Risk Mitigating Action Plans to responsible persons

 

• Monitor and report on the implementation of risk mitigation action plan for UBA Cameroon

 

• Conduct trend analysis on changing risk profiles to fairly accurately determine the behavior of Key Risks

 

 

Key Performance Indicator

• Weekly, monthly and quarterly loss reports to Risk Management Committee of the Board and other Stakeholders
• Weekly/Monthly report on risk exposures with high frequency and high impact and control gaps arising from responses to CSA questionnaire administered
• Weekly report to Head, Operational Risk Management on the status of administering CSAs/KRIs in line with work plan

 

• Weekly/Monthly/Quarterly Tracking and Reporting of Unresolved Control Risk Mitigating Action plans highlighting the potential risk exposures to the Bank for non-implementation

 

 

EDUCATION REQUIREMENTS

 

Education- University Degree

 

EXPERIENCE

 

Experience – Minimum of 3years in Internal Control or Audit & Compliance

 

 

Key Competencies:

 

Knowledge

 

• Knowledge of Banking Operations
• Deep knowledge of the Bank’s Products, Services and Processes

 

Skills/Competencies/Aptitudes

 

• Quantitative skills
• Conceptual skills
• Proficiency in the use of the computer and basic applications like excel, power point, etc
• Analytical and skills
• Good Interpersonal and Communication Skills

 

 

Application submission

Candidates should send their resume and motivation letter to hcmrecruitcameroon@ubagroup.com, with the heading “CREDIT RISK MONITORING TEAM MEMBER“ Later September 29, 2024

 

Only shortlisted candidates will be contacted to proceed to the interview stage.

 

UBA Cameroon is committed to meritocracy and inclusiveness and will not unfairly discriminate in recruitment, training, career development and promotion based on race, color, ethnicity, gender, marital status, disability, religion or belief and age.

 

 

If you do not receive any response 01 months after this publication, kindly consider your application as non-accepted for this time