Chief Risk Officer- Banking & Financial

We  are looking for a Chief Risk Officer for a leading bank in Kabul

Age : Should be more than 55 Yrs

Budegt : 5000 USD per Month + Free food and Accomodation


– The Chief Risk Officer will be expected to build a risk monitoring systems complying with Basel I & Basel II requirements for assess, review and mitigating of risk factors.

– Contribute to the strategic direction of the Bank through the development and implementation of Risk Management strategies, policies and procedures in support of the Bank s business goals.

– The CRO manages and develops a comprehensive process for assessing, identifying and reducing pertinent business risks that could interfere with the bank objectives and goals with Basel I and Basel II requirements.

– It is the CRO responsibility to ensure that the bank is in substantial compliance with its operating policies and
procedures and any external legal, regulatory or contractual requirements.

Key Responsibilities

The position is involved with Credit, Market, Operational and Liquidity risks in the

Bank while the main focus shall be on Credit Risk, with the following responsibilities:

1. Credit Policies & Procedures

a. Establishing of Credit Rating system for the Bank.

b. Draft and develop Credit Risk Management policy for the Bank Credit Dept and review/update it from time to time for complying with the local/international banking law and regulations.

c. Develop Risk Management policy for the bank concerned sections.

d. Acquisition or development of decision support tools for commercial and retail credit.

e. Propose and promote a common risk culture and awareness to be accepted throughout the bank, in particular by the Bank s Risk, Credit and Operation department.

f. Set up of procedure and guidelines for the establishing of credit committee, ALCO committee, individual accountability and majority voting etc.

g. Set objectives for measuring, monitoring, evaluating and mitigating the risk exposure of the bank and ensure that they are reported in a timely manner to regulatory entities and the management of the Bank.

h. Supervising the Risk Management department in delivering high quality and professional service to the Bank and the clients in the field of risk management.

i. Recommend and maintain proper approval processes for all transaction types to ensure proper risk control.

j. Determine the capital requirements and provisions for each of the Bank s products and activities to ensure sufficient provision on the book at all time.

2. Risk Asset Review

a. Review of individual credit risk in accordance with the established Credit Rating System and Credit quality assessment.

b. Ensure that the Bank s risks are properly addressed in terms of compliance with existing rules and regulations established by internal, local and international regulators.

c. Ensure that classified loans are reported and properly administered in the system of the Bank.

3. Portfolio Management

a. Establish procedure and execute Profitability and Risk analysis for the Bank frequently.

b. Develop predictive dynamic monitoring procedures/system for Risk Management Department.

c. Responsible for contacts with external authorities, locally and abroad, for Risk Management matters and for meetings with management of banks and other related companies, in order to obtain the most updated risk management information.

d. Coordinate with other departments of the bank, such as Credit, IT, Operations, Finance/Accounting, Treasury, Legal, Compliance, in order to create an efficient and effective communication via the functional lines.

4. Other job-related tasks as assigned by the management.

Roles reporting to the position

All employees working in the Risk Management Department.

Job Requirements

– Master degree in Banking or financial field.

– Having 5-7 years progressive experience in the Risk Management field with more than four years at supervisory & management level in a mid- or large size commercial bank .

– Experience must include hands-on responsibility for the full scope of Risk Management activities, both operations and analysis.

– Fully functional in monitoring of documentation, portfolios & exposure limits of the bank.

– Considerable knowledge of modern regulations and practices related to Risk Management including Basel I & Basel II.

– Knowledge and understanding of Afghan Central Bank s and other regulator authorities directives in relation to Risk Management field.

– Demonstrated proficiency with Risk Management practices including policy/procedure development.

– Excellent analytical and problem solving skills.

– Ability to prepare and analyze comprehensive reports as and when required.

– Excellent communication, organizational and managerial skills.

– Having high ethical standards and integrity in both personal and professional dealings.


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Chief Financial Officer Trading and securities

The Chief Finance Officer is responsible for the overall fiscal operation/activities in accordance with the Generally Accepted Accounting Principles, internal policies/regulations, regulatory guidelines and other generally accepted accounting principles, such as cost accounting, budget and regulatory/governmental bodies reports ensuring to safeguard company’s assets.

The Chief Finance Officerprovides technical support to the Management in order to fulfill the financial, regulatory and administrative requirements of the Finance section

  1. As a member of the Management, the CFO will be involved in a range of strategic planning and internal initiatives, mainly in regard to financial & accounts issues for all entities.
  2. Draft, implement and maintain procedure manuals for all accounting and reporting functions and enhance the implementation of financial and accounting systems, processes, tools and control systems.
  3. Actively managing the general ledger, inclusive of preparation and entry of monthly closings, adjusting and balancing accounts; general journal entries; account reconciliations; balance sheet and income statement analyses for all entities.
  4. Ensuring the accounting activities are carried out in accordance with the established internal, legal and regulatory procedures of the organization.
  5. Generating and preparation of consolidated monthly financial statements and reports incorporating financial analyses to senior management, Board of Directors and regulatory authorities.
  6. Manage all planning for periodically and year-end audit and tax filings for all units of the organization.
  7. Managing financial and accounting records in an accurate and confidential manner, in accordance with established internal requirements.
  8. Establish and maintain a solid system for inventory records, fixed assets and stocks.
  9. Prepare, present and interpret financial reports to senior management, Board of Directors and Auditors (internal or external).
  10. Adhere to the applicable tax laws and regulatory compliance to properly reflect the financial position of the company and ensures compliance with the company’s policies, procedures and regulatory directives.
  11. Responsible for all short/mid/long-term financial matters and for establishing financial and accounting objectives, policies, programs, directives and practices that ensure a sound financial structure.
  12. Establish and implement financial policy affecting budgets, costs and the expenditure of the company.
  13. Responsible to prepare complete year-end financial statements for audits including disclosures, statement of cash flows and complete audit package.Provide strategic recommendations to enhance financial performance of
  14. companybased on detailed analysis and projections, cost identification and allocation as well as revenue/expense analysis.
  15. Compile and oversee short-term and long-term budgetary planning and costs management in alignment with company’s strategic plan.
  16. Oversee the preparation of annual budget through collecting and compiling of the required info from other concerned departments and entities.
  17. Supervise company’s bank accounts’ balances/statements for all inward/outward payments and ensure that these entries are recorded on timely manner.
  18. Lead the preparation and coordination of periodically audit (internal or external).
  19. Preparation of consolidated weekly, monthly& annually financial statements and reports including cash-flow, P&L, and financial analyses to the Management.
  20. Provide analysis and recommendation regarding new business opportunities, new products, joint ventures, and affiliations tothe Management.
  21. Provide recommendations to enhance financial performance based on detailed analysis and projections, cost identification and allocation as well as revenue/expense analysis of entities.
  22. Supervise staff of Finance Department and develop/train/motivate the team as appropriate.
  23. Anticipate and provides solutions to complex finance and accounting problems.
  24. Supervise and coordinates various entities’ portfolio, including budget development, reconciliation, compliance, forecasting, variance analysis, financial processing and monitoring of budget.

Education :

Chartered Accountant degree in Finance or Accounting field.

Professional certification e.g. ACCA, CIA, CBA, CPA, CISA or CFE will be preferred.

  1. At least 7-10 years related experience in Finance/Accountingin a companywhere 3-5 years on financialsenior managerial position (CFO) at organization level.
  2. Strong problem solving and creative skills and the ability to exercise sound judgment and make decisions based on accurate and timely analyses.
  3. Having good experience indelivering presentations on business strategy, investments, financial results and other related topics.
  4. Professional with friendly behaviour.
  5. Disciplined,hard-worker and flexible regarding working hours