Credit Operations and Regulatory Reporting Officer at Rand Merchant Bank (RMB) – Lagos

Rand Merchant Bank is recruiting a Credit Operations and Regulatory Reporting Officer in Lagos. The position coordinates credit operations, portfolio monitoring and regulatory returns to improve accuracy, timeliness, service delivery and compliance.

Credit regulatory reporting

• Prepare CBN credit returns, including monthly capital adequacy, portfolio position and Credit Risk Management System submissions.
• Maintain CRMS records and updates on customer credit positions.
• Produce credit-bureau portfolio reports and other required updates.
• Coordinate relevant FirstRand Group credit returns, including South African Reserve Bank BA reporting and ongoing risk-management reporting.
• Respond accurately to regulatory, shareholder and internal credit information requests from Compliance, Risk, Finance, Operations and Audit.

Credit controls and portfolio management

• Support Board and Executive Committee credit portfolio reporting.
• Maintain credit files in line with CBN guidelines.
• Participate in deal conclusion and new-product review processes.
• Review credit agreements and conditions precedent before loan drawdown.
• Monitor collateral, covenants, documentation, credit breaches and post-disbursement processes.

Qualifications and experience

• Undergraduate degree in a relevant discipline.
• At least seven years’ relevant experience in a Nigerian bank or financial institution.
• Prior credit administration, operations or regulatory reporting experience is advantageous.
• Sound knowledge of Nigerian banking regulations, financial instruments, banking products and the economic environment.
• Strong numeracy, data analysis, written communication and presentation skills.

Professional competencies

• Consistent accuracy, attention to detail and ability to work with substantial data volumes.
• Initiative, problem-solving, creativity, deadline management and clear stakeholder communication.
• Integrity, relationship management, teamwork, organisation and ability to work independently under pressure.
• Commitment to professional development, feedback and the bank’s values.