Job Description

The essence of this role is to centralize all operational and regulatory responsibilities relating to the Credit function, to enhance the levels of service, compliance, timeliness, and quality of credit regulatory reporting.

The successful candidate will be responsible for:   

All regulatory Credit returns mandated by the Central Bank of Nigeria (“CBN”), including but not limited to: 

Monthly capital adequacy and credit portfolio position reports

Monthly Credit Risk Management System (“CRMS”) submissions

Management and implementation of ongoing information updates on the CRMS

All regulatory Credit returns mandated by the CBN in respect of credit bureaus, including but not limited to: 

Monthly credit portfolio position reports to all credit bureaus subscribed to by RMBN 

On-going information updates on clients’ credit positions as may be required

All Credit regulatory returns mandated by the FirstRand Group (the “Group”) in respect of the South African Reserve 

Bank (“SARB”) reporting requirements, including periodic credit portfolio position reports (including but not limited to BA returns)

All regulatory Credit returns mandated by the FirstRand Group in respect of ongoing risk Management (“ORM”) practices

Accurately prepare and respond to credit portfolio position requests from other departments in the bank, including 

Compliance, Risk, Finance, Operations, and Internal Audit.

All other ad-hoc Credit information requests from shareholders/other stakeholders and regulators:  

Provide support to the Credit team (and in some instances generate) in terms of all credit portfolio reporting to the Board and Executive Committee 

Liaise with internal stakeholders to ensure that credit file contents are up to date as per CBN guidelines 

Credit Control and Loan Disbursement: 

Participate in Deal Conclusion Forums and the New Product Approval process 

Review Credit Facility agreements to ensure that all conditions precedent to drawdown are in place before 

disbursement 

Collateral Management 

Thorough monitoring of conditions and covenant breaches 

Overall monitoring and control of credit documentation and processes credit post-analyses 

Effective teamwork, self-management, and alignment with group values: 

Imbibe the RMB promises & continually drive RMB’s values    

Continuously assess own performance, seek timely and clear feedback as well as request training where 

appropriate   

Identify effective activities to address own development gaps   

Create own development plan and review the plan with the manager   

Maintain a positive attitude and respond openly to feedback   

Understand which competencies and skills are required to be mastered to ensure personal development and 

performance   

Keep abreast of learning opportunities, changing products, and trends     

Qualifications and Experience:  

An undergraduate degree in a relevant discipline  

Minimum of seven years of relevant working experience within a Nigerian bank or financial institution

Prior experience in credit (preferably regulatory reporting / Credit Admin and operations) will be an 

added advantage

Good understanding of the Nigerian Banking Industry and its regulatory requirements 

   

Competency and General Skills:

Technical Skills:

General knowledge and understanding of business, industry, and the macroeconomic environment 

Good understanding of financial instruments and banking products, as well as their linkages in determining 

High level competency in MS Office

High level of numeracy 

Strong ability to read and analyze data   

Strong verbal and written communication   

Sound presentation skills 

Key Competencies:

Result-oriented and driven - A self-starter who produces a consistently high quality of output within agreed 

deadlines. Prompt and proactive in driving for results and has problem-solving aptitude. 

Creative / Innovative - Must possess the ability to identify and initiate more efficient ways of doing things. 

Detail - Must possess a strong level of attention to detail, and accuracy and be well organized, which are considered 

essential for regulatory reporting. Must also possess the ability to process and work with large volumes of data. 

Good communication skills - Must possess the ability to communicate and debate views effectively, 

constructively and convincingly using verbal and non-verbal means.  

Relationship-building capability - Must possess the ability to put people at ease and build sound relationships 

based on mutual trust and openness.  

Human Relations Profile: 

Ability to strike and maintain good client relationships.   

Strong character & integrity paramount   

High degree of self-confidence; pleasant personality; well-presented    

Well organized / good time management skills / disciplined/ detail orientated   

Self-starter able to work with minimal supervision  

Team oriented   

Flexible when necessary and able to work effectively under pressure  

#RMB

#Post

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Job Details

Take note that applications will not be accepted on the below date and onwards, kindly submit applications ahead of the closing date indicated below.

07/09/25

All appointments will be made in line with FirstRand Group’s Employment Equity plan. The Bank supports the recruitment and advancement of individuals with disabilities. In order for us to fulfill this purpose, candidates can disclose their disability information on a voluntary basis. The Bank will keep this information confidential unless we are required by law to disclose this information to other parties.