Central Bank Credit Officer Recruitment

Job Summary

The Central Bank Credit Officer is responsible for evaluating, managing, and mitigating credit risks associated with financial institutions under the central bank s regulatory purview. The role ensures compliance with monetary policy objectives, financial stability mandates, and regulatory frameworks. Key responsibilities include analyzing creditworthiness, monitoring systemic risks, and advising on credit-related policy decisions.

Key Responsibilities

1. Credit Risk Assessment

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   • Evaluate the creditworthiness of financial institutions (banks, non-bank financial entities) seeking liquidity support or regulatory accommodations.
   
   
   • Analyze financial statements, capital adequacy, and liquidity positions to determine risk exposure.
   
   
   • Conduct stress testing and scenario analysis to assess resilience under adverse economic conditions.
   
   
   
   



2. Policy Implementation

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   • Develop and enforce credit policies aligned with the central bank s monetary and financial stability goals.
   
   
   • Monitor compliance with Basel III/IV frameworks, capital requirements, and other international standards.
   
   
   
   



3. Financial Stability Oversight

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   • Identify systemic risks in the financial sector and recommend mitigation strategies.
   
   
   • Collaborate with the Financial Stability Department to address contagion risks and interbank exposures.
   
   
   
   



4. Liquidity Management

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   • Manage the central bank s lending facilities (e.g., discount window, emergency liquidity assistance).
   
   
   • Approve or deny credit applications based on risk assessments and policy guidelines.
   
   
   
   



5. Reporting and Communication

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   • Prepare detailed reports for senior management and regulatory committees.
   
   
   • Liaise with commercial banks, government agencies, and international organizations (e.g., IMF, World Bank).
   
   
   
   



6. Macroeconomic Analysis

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   • Monitor economic indicators (e.g., inflation, GDP growth, unemployment) impacting credit risk.
   
   
   • Advise on the impact of monetary policy changes on credit markets.
   
   
   
   

Qualifications

• Education

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  • Bachelor s degree in Finance, Economics, Accounting, or related field (Master s degree preferred).
  
  
  • Professional certifications (e.g., CFA, FRM, PRM) are a plus.
  
  
  
  



• Experience

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  • 5+ years in credit risk management, banking supervision, or financial regulation.
  
  
  • Experience working in a central bank, commercial bank, or regulatory agency.
  
  
  
  



• Skills

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  • Proficiency in financial modeling, risk assessment tools, and data analysis (e.g., Excel, SQL, Python).
  
  
  • Strong knowledge of Basel III/IV, IFRS 9, and central banking operations.
  
  
  • Excellent communication and stakeholder management skills.