[JDD RISK AND COMPLIANCE]

JOB DESCRIPTION DOCUMENT

POSITION DETAILS

TITLE Head of Risk and Compliance [current JDD to be reviewed by Head of Risk]

Risk, Compliance, General

JOB LEVEL Executive SKILLS CATEGORY Banking, Credit, Financial,
Treasury

BUSINESS UNIT BRANCH/LOCATION

Risk & Compliance Suva

POSITION SUMMARY

This role reports to Board Risk Subcommittee and dotted line to Chief Executive
Officer [CEO]. The role is responsible for ensuring the following:
 Monitor and ensure implementation of Enterprise and Operational Risk
Management framework and measurements;
 Monitor and control the risks that exist in the institution within ERM and
ORM framework and beyond;
 Monitoring development of proper risk identification system within ISO
31000 framework;
 Monitoring, ensuring implementation and awareness of Business Continuity
Plans/Disaster Recovery Plan;
 Monitoring compliance with HFC Bank’s Credit Risk Management
framework and Credit stress testing.
 Monitoring compliance with the Reserve Bank of Fiji Banking Supervision
Policy and reporting requirement.
 Ensure compliance in terms Financial Transaction Reporting (FTR) and Anti-
Money Laundering (AML) Requirements (KYC – Know your Customer);
OBJECTIVES  Ensuring Risk review and assessments from risk perspective of all products;
(why the role exists)
processes; policies and other projects;
 Ensuring SWIFT Sanction screening clearances and bank searches are done;
 Ensuring Corresponding Banking risk assessment and compliance is carried
out;
 Ensuring compliance checks are being conducted;
 Ensure verification of compliance returns are done;
 Understanding and application of various provisions of the acts; decrees and
regulations including RBF’s Banking Supervision Policy guidelines;
 Keeping abreast with changing regulatory requirements
 Ensure updating of Compliance Register in consultation with Legal
Department
 Effective monitoring of market and liquidity risk;
 Conduct stress testing;
 Embedding a positive culture of confident and informed risk-taking through
training, communication and promotion of the agreed risk framework;

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 Other Major HFC Initiatives and ingraining the Risk Management Culture of
HFC;
 Meeting or contributing directly or indirectly other corporate objective of the
institution

KEY JOB ACCOUNTABILITIES

PERCENTAGE OF
MAJOR DUTIES
EFFORT REQUIRED
1. Monitoring Enterprise Risk Management & Operational Risk Management
10%
framework and measurements
20%
2. Risk Management, Compliance, Audit and Effective Implementation

3. Monitoring implementation of Credit Risk Management Framework 10%

4. Monitoring of Market and Liquidity Risk 15%

5. Regulatory Compliance 10%

6. AML & Compliance [AML Screening; SWIFT clearances; Bank Searches; FIU
Searches & Corresponding Banking AML/ Training] and Compliance registers and 15%
returns

7. Risk Reviews and Assessments [Policies, Process, Products & other Projects] 10%

8. Other Corporate Initiative and People Management 5%

9. Financial Targets Lending/Non Lending Stream [Business Unit] and
Other Initiatives 5%

Full description of the Key Job Accountabilities are detailed in Appendix 1 attached. The Job Holder must carefully read 100%
and familiarise him/herself with the important requirements of this role.

EXPECTED PERFORMANCE BEHAVIOURS

 Ability to work accurately and effectively;
 Ability to complete required duties;
A. Quality of Work & Customer Focus  Demonstrate a solutions based approach;
 Able to identify, mitigate and control risks and issues
with root cause analysis.

 Ability to deliver consistent performance under

pressure;
 Ability to multitask and complete work within the
B. Flexibility & Dependability required time frame;
 Ability to carry out given instructions effectively and
with punctuality;
 Ability to work with minimum supervision.

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 Ability and desire to work in a team cooperating with

others in fulfilling HFC Bank’s Vision, Mission &
Values;
 Considerate, tactful and honest in dealing with
supervisors, subordinates, peers, customers, vendors and
C. Teamwork & Interpersonal Relationships others;
 Able to interact with various stakeholders to get the
desired outcomes;
 Is able to remain objective in all situations;
 Is punctual to work, meetings and other commitments
when representing the bank.

 Ability to express and articulate thoughts clearly &

concisely;
 Ability to communicate verbally and written
D. Communication Skills
communication;
 Ability to communicate effectively with all stakeholders
and fellow staff.
 Ability to be proactive in the work place;
 Self-motivated and a self-starter;
E. Demonstrating Initiatives
 Ability to think outside the box;
 To be solutions based.
 The willingness to take responsibility for meeting the
needs of the team business unit.
 Able to keep all stakeholders informed on work taking
place.
 Ability to gather requirements from the business and
F. People Management design solutions that meet these requirements.
 Able to work in a team.
 Has the ability to communicate change to the rest of the
organisation.
 Ability to encourage input from staff and keep them
motivated & committed.
 The ability to plan, organize, prioritise, schedule,
monitor & control work in short, medium and long term
targets.
 Ensuring effective use of allocated resources and
G. Planning, Co-ordinating & Strategic
develops new or different ways of looking at issues with
Thinking
long-term perspective when making strategic decisions;
 The ability to align team work plans to the strategic
objectives of the business unit and ultimately the
organisation.

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CAPABILITIES AND DESIRED EXPERIENCE PROFILE

ESSENTIAL

 Sound knowledge and skills in Enterprise and Operational Risk Management and Control Systems;
 Sound knowledge of Business Continuity and Disaster Recovery Plans;
 Sound knowledge of Market Risk and Liquidity Risk Management Framework;
 Sound Knowledge of Stress Testing;
 Sound Knowledge of Credit Risk;
 Sound Knowledge of Compliance and Regulatory requirements;
 Some knowledge of risk management and compliance programs and standards;
 Some exposure working in banking and other financial institution environment;
 Some knowledge of relevant laws and regulations like Banking Act, Reserve Bank of Fiji Act,
Exchange Control Act, Consumer Credit Act etc;
 Strong analytical and creativity skills;
 Self-motivated, flexible, independent personality who is interested in the risk identification; risk
assessment; risk treatments; controls, assurance, and governance aspects of the company's activities;
 Genuine interest in data analysis;
 Desire in understanding the complexities of the underlying data sources;
 Attention to detail and accuracy are paramount; and
 Ability to think outside box.

DESIRABLE
 Some exposure working in banking and other financial institution environment in areas of Enterprise
and Operational Risk Management and Control Systems, Business Continuity and Disaster Recovery
Plans, Compliance and Regulatory requirements, Market, Liquidity Risk and Credit Risk;
 Leadership skills, including the ability to manage risk, compliance and control activities in a complex
financial operation;
 Ability to exercise oversight over risk, compliance and control arrangements in a complex financial
operation;
 Problem-solving and decision-making skills, with the ability to analyse complex information to identify
the key issue/action and drive resolution;
 Knowledge and understanding of risk control arrangements;
 Proven ability to oversee a number of risk types, ideally including credit, market, operational,
investment, regulatory and strategic risk and specifically liquidity, refinancing, concentration and
counterparty risk;
 Knowledge of regulatory environment and key regulatory regimes;
 Understanding of the issues involved in running a business, including the key financial dynamics and
drivers;
 Understanding of financial and strategic planning.

OTHER
 Computer literacy with proficiency in Microsoft Word, Excel, PowerPoint and other relevant
applications;

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 Highly organised with the ability to work on a number of tasks simultaneously under little supervision;
 Effective written and verbal communication;
 Thorough understanding of HFC’s policies, procedures and work standards; and
 Ability to work flexible hours.

QUALIFICATIONS

Essential Desirable
 Post Graduate (Masters) Degree in Economics Qualification in Economics or Banking and Finance
or Finance, together with first degree in Work experience in similar role
Accounting, Commerce, Banking & Finance
are essential and desirably professional
membership; and
 5-7 Years of work experience in the similar
roles or financial institution.

ORGANISATION STRUCTURE

THIS POSITION REPORTS TO Board Risk Subcommittee

DOTTED-LINE REPORT TO (if applicable) Chief Executive Officer

NUMBER OF DIRECT REPORTS TO THIS POSITION 3

APPROXIMATE PERSONNEL COSTS CONTROLLED -
NUMBER OF IN-DIRECT REPORTS TO THIS -
POSITION
Diagrammatic representation of the actual Organisation Structure is provided in Appendix 2 attached. The Job Holder must carefully
familiarise him/herself with all the reporting lines to and from this role.

OTHER INFORMATION
Key Relationships
Internal
External  Board / Board Audit Sub-Committee -
 Reserve Bank of Fiji - Banking Supervision Reporting on risk and compliance issues,
guidelines market, liquidity and credit risk
 External Auditors - Compliance issue  Chief Executive Officer – information on the
implementation risk and compliance checks, market, liquidity
and credit risk
 Fiji Financial Intelligence Unit - Ensure
compliance with AML requirements and  Other Executive Members - effective
reporting implementation of Risk Management and
Compliance Issues, Market, Liquidity and
 Professional Bodies (FIA & IIA, ) - Workshops Credit Risk.
and membership
 General Manager Human Resources & Manager
 Consumer Protection and Other compliance Training and Development - Ensure adequate
Bodies - For acts and decrees, and ensuring training and development programs together
compliance with the same with constructive awareness for the risks for the
company are in place;

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Key Skills / Attributes / Job Specific Competencies

The following levels would typically be expected for the 100% fully effective level:

Expert level Enterprise and Operational Risk Management, Banking, Credit and Control Systems,
Business Continuity and Disaster Recovery Plans and Compliance and Regulatory
requirements; Market , Liquidity and Credit Risk
Advanced level Risk reviewing all HFC policies; products, procedures and projects as and when required.
Working Knowledge Relevant laws and regulations like Banking Act, Reserve Bank of Fiji Act, Exchange
Control Act, Consumer Credit Act etc
Awareness Enterprise and Operational Risk Management framework changes
Compliance and Regulatory requirement changes
Market Risk, Global Market Trends, Liquidity Management, Credit Risk Management

CONFIRMATION

INCUMBENT’S NAME:
SIGNATURE DATE

LINE MANAGER’S NAME:

LINE MANAGER’S JOB TITLE: CHIEF EXECUTIVE OFFICER
SIGNATURE DATE / /

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Appendix 1

Key Result Area 1: Monitoring Enterprise Risk Management framework and measurements
Jobholder is responsible for Jobholder is successful when
Enterprise Risk Management  Minimum of Quarterly Risk Management
awareness program;
 Ensure management of enterprise risk
management framework for the institutions;
 Minimum of 80% of the ERM Action plans to
 Monitor control and mitigate the risks that be completed annually
exist in the institution within the ERM
Framework and beyond;  Effective Risk Management [ERM] with
rating moderate to low;
 Ensure implementation of proper risk
identification system within the ISO 31000
 Total corporate 36 risk as: (Subject to review
framework focusing on recognizing and
in Annual Workshop)
understanding existing risks or risks that
may arise from existing or new business
initiatives
 Annual ERM Workshop and revision of Risk
 Monitoring implementation of the action profiles;
plans and negative controls for the risk
management with desired tolerance limits 
and appetite as agreed by the Board;
 Ensuring timely and continuous review the  Improve on Balance Sheet Risk Management
Enterprise Risk Management Policy; of Credit ,Market, Exposure, Concentration,
Standards and guidelines; Liquidity and Interest Rate risks with:
- Six Monthly Lending Portfolio
 Ensure that there are adequate training and Analysis;
development programs together with
- Quarterly Liquidity Stress Test
constructive awareness for the risks for the Reviews;
company;
- Quarterly Stress Test of Profit & Loss
 Review, analyse and assess risk action plans and
and provide reports to management and - Foreign Exchange/Market and
Board as to the adequacy of the same with Exposure Risk assessment.
suggested remediation as appropriate;
 Ensure implementation of frameworks and
processes to reduce / mitigate ERM risks;
 Ensure implementation of effective
Enterprise risk management work plan;
 Monitoring management of robust risk
management process that accurately in a
timely manner measure the different risks
 Ensure ingraining the Risk Management
culture of HFC through awareness and
training programs.

 Pursue personal development of skills and

knowledge necessary for the effective

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performance of the role;
 Ensure design of framework and process to
reduce and mitigate operating losses

 Ensure development of robust management  Training and formulation and review of

process that accurately in a timely manner BCP/DRP plan
measure the different risks.  Annual ORM Workshop Implement all action
plans emanating from risk management work
Operational Risk Management shop and work plans

 Ensure management of operational risk

management framework for the institution;
 Mitigate and control the risks that exist in
the institution within the ORM Framework
and beyond;
 Ensure development of a proper risk
identification system within the ISO 31000
framework focusing on recognizing and
understanding existing risks or risks that
may arise from existing or new business
initiatives;
 Ensure development of a robust Operational
Risk Management process that accurately in
a timely manner measure the different types
of Operational Risk;
 Monitoring implementation of action plans
and negative controls for the risk
management with desired tolerance limit
and appetites as approved by Board;
 Ensure timely and continuously review the
Operational Risk and Policy; Standards and
guidelines;
 Ensure that there are adequate training and
development programs together with
constructive awareness for the inherent risks
for the company;
 Review, analyse and assess risk action plans
and provide reports to management and
Board as to the adequacy of the same with
suggested remediation as appropriate;
 Monitor implementation of effective
Operational risk work-plan and ensuring
Business Continuity Plans are established
and maintained across the organization;
 Ensuring reduction in the residual operating

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risk profile of the Bank through the
identification and implementation of risk
minimization / mitigation strategies.
Ensure Operational Risk Register is updated
Key Result Area 2: Risk Management, Compliance, Audit and Effective Implementation

Jobholder is responsible for Jobholder is successful when

 Ensure you and your team are aware of and  Adheres to the Policies and Procedures of
compliant with HFC’s policies and HFC Bank;
procedures at all times and maintain
 Adheres to Staff Code of Conduct of HFC
accurate records;
Bank;
 Ensure adherence to governance
 Willingly provides feedback and
frameworks in place;
manages/highlights potential/unacceptable
 Identify potential risks and put or risks &
recommend to the appropriate personnel  Provides and accepts constructive criticism
(Line manager or Risk Champion of your
department) on the appropriate mitigation
plans;
 Prevent and/or minimise internal/external
frauds, forgeries and losses to the Bank &
 Manage the resolution of any non-
compliance issues arising through the
checklist process, spot checks and
compliance audits.
External, Internal & In-House Audits

 Attend to any/all matters raised in External.  Adheres to internal procedures and

Internal and In-House Audit findings relevant
to your work and your department and avoid
repetition of such comments/findings in all
subsequent audits. Ensure subordinate staffs
are clearly aware of any/all audit findings and
are immediately trained on areas of
weaknesses.
guidelines and complies to circular
instructions and advises;
 Authenticates and Obtains necessary
approvals from appropriate authorities
where required;
 Facilitates and maintains proper records for
Audit enquiries and takes note of issues and
recommendations from internal and external
audits to improve operations or eliminate
risks.
 Ensures 100% implementation of Audit
Findings;
 Eliminates or controls the repetition of audit
issues identified in subsequent audits with
zero tolerance on repetitive issues

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Key Result Area 3: Monitoring implementation of Credit risk
Jobholder is responsible for
 Ensuring assessing, reporting and monitoring
all internal and external risks that could affect
the credit Portfolio;
 Ensuring implementation of the credit risk
management system and controls approved by
the board;
 Ensuring carrying out compliance checks on
Credit Risk portfolio recently approved loans
above the $250,000 threshold or an when
required;
 Ensuring preparation of credit risk assessment
reports on approved loans over the $250,000
threshold or when required for management
feedback;
 Ensuring carrying out Stress Test on Credit
Portfolios;
 Provide Board Risk Subcommittee and
Management with the Credit Risk
Management reports;
 Ensuring management adherence to the
credit policies and procedures at all times;
 Ensuring implementation of processes, tools
and systems to identify, assess, measure,
manage, monitor and report of Credit Risks.
Key Result Area 4: Monitoring of Market and Liquidity Risk
Jobholder is responsible for
a) Market Risk
 Ensuring development and implementation of an
effective and comprehensive risk management
framework to identify, assess, monitor and
control market risk inherent in its operations
 Ensuring development and documentation of an
in-house market risk management policy
 Ensuring establishment of an appropriate
interest rate risk strategy for the management of
its structural interest rate risk
 Ensuring establishment of interest rate risk
measurement systems and adequate
management information systems to identify,
measure
 Monitoring and reporting on a comprehensive
basis, the LFIs’ exposure to structural interest
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[JDD RISK AND COMPLIANCE]
Jobholder is successful when
 Assessment of recently funded, downgraded,
upgraded and approved loans
 Prepare credit risk assessment reports on the
recently funded, downgraded, upgraded and
approved loans for management feedback;
 Carry out assessment of any adhoc request
from Board risk
 Conduct Stress Test
 Circulation of stress test report for Senior
Management Feedback and necessary
actions
 Submission of stress test reports for Board
Risk information
 Monitoring implementation of action plans
resulting from the stress test reports
 Verification of regulatory returns
Jobholder is successful when
 Devise scenario analyses reflecting possible
severe market events and issue reports to
Senior Management and Board
 Carry out market risk policy reviews
 Daily monitoring of the interest rate and
foreign exchange movements
 Monthly meeting with Senior Management
on the market position of the Bank
 Compilation of Board risk paper on a
quarterly basis
 Assess market risk inherent in all products,
activities, processes and systems
 Conduct Stress Test on market risk
 Circulation of stress test report for Senior
 [JDD RISK AND COMPLIANCE]
rate risks Management Feedback and necessary
 Ensuring development of Market Risk actions
Management Strategy and Foreign Exchange
 Submission of stress test reports for Board
Rate Risk Policy
Risk information
 Ensuring selection and testing of the LFIs’
market risk management system;  Monitoring implementation of action
 Ensuring production and analysis of reports plans resulting from the stress test reports
based on approved methodologies/models for
measuring market risks;
 Ensuring the conduct of a regular back testing
programme to verify the accuracy and reliability
of the LFIs’ systems;
 Identification, assessment, control and
monitoring of market risks inherent in the
operations of the LFI and the on-going review
of activities, and changes to the LFI’s market
risk management system.
 Identifying risks promptly and taking quick
corrective actions in response to adverse
changes in market factors;
 Identifying and assessing the market risk
inherent in all products, activities, processes and
systems;
 Ensuring that before new products are
introduced or undertaken, the market risk related
to them are subject to effective assessment
procedures; and
 Ensuring maintaining accounting and
management information systems to measure
and monitor changes in market risk factors.
 Implementing procedures to ensure frequent
monitoring of market risk and material
exposures to losses;

 Identifying early warning risk indicators that

monitor key material risks of future losses,
reflect possible sources of market risks that can
allow action that appropriately counter these
risks;

 Enable reports to be distributed to appropriate

levels of Board and Senior management,
identifying problem areas and should drive
timely corrective action on identified problem
areas;

 Notifying the Reserve Bank of any material

developments relating to market risk factors.

 Ensuring there are appropriate processes and

procedures to control and mitigate material or

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identified market risks;
 Establishing control procedures to ensure
compliance with internal policies concerning the
market risk management system;
 Compilation of Board risk paper on the Market
risk;
 Conduct stress test on market risk

b) Liquidity Risk
 Monitor, Review and Report Liquidity Risk
Management Plans;  Compilation of data and monitoring and
 Establish, direct and maintain a risk appetite reporting of weekly liquidity forecast
framework of limits and controls, policies and  Weekly meeting with Senior Management
governance that will operate across all Liquidity on the liquidity position of the Bank
risks, to enable effective management;  Discussion with management on their
 Develop, maintain and apply a broad liquidity and crisis plan
understanding of all risk disciplines to ensure
 Monitoring effective implementation of
holistic understanding by stakeholders of the
the liquidity plan in case of crisis
impact of Liquidity Risk from all perspectives;
 Ensure compliance with the bank’s standards  Daily monitoring of the RBF Liquidity ratio
and reporting requirements together with all  Reviewing the liquidity and crisis plan
relevant regulatory and statutory requirements  Carry out risk reviews of treasury policy
where appropriate implementing actions to  Compilation of Board risk paper on the
protect the banks business at all times; liquidity risk management
 To include implementation of the full spectrum  Conduct Stress Test
of liquidity risk measures where appropriate;
 Circulation of stress test report for Senior
 Work directly with the business to ensure a
Management Feedback and necessary
sound understanding of business strategy and
actions
associated risks, providing an independent view
and value-adding contribution to enhance  Submission of stress test reports for Board
proactive risk management and establish an Risk information
effective relationship as a trusted business  Monitoring implementation of action plans
partner; resulting from the stress test reports
 Proactively and continuously reassess the
liquidity risk environment and adjust
measurement and controls along with the
operating model, as necessary to ensure optimal
performance;
 Drive systems and process changes to enable
high quality deliverables from Liquidity Risk;
 Ensure bank adheres to its liquidity risk
management policy;
 Compilation of data and monitoring and
reporting of daily, weekly liquidity forecast;
 Carry out Liquidity Stress test plans;
 Reviewing the Liquidity and Crisis Management
Plan for the bank;
 Provision of risk reviews of the Treasury policy
of the bank;

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 Compilation of Board Risk Paper on the
liquidity risk management;
 Verification of Regulatory and Other Returns

Key Result Area 5: Regulatory Compliance

Jobholder is responsible for Jobholder is successful when

 Monitoring compliance with the RBF’s  HFC Bank is fully compliant
Banking Supervision Policies
 There are no breaches noted in regards to
 Checking internal policies to be compliant non-compliance
with the RBF Banking Supervision Policies  No fines are imposed to HFC Bank by the
 Ensuring that internal policies are in line with regulators
the Banking Supervision Policies and all gaps
are filled
 Ensuring compliance with the local Acts and
legislations

Key Result Area 6: Anti- Money Laundering and Compliance [AML reporting, corresponding banks,
compliance checks, compliance returns]
Jobholder is responsible for Jobholder is successful when
 Monitor compliance with the FTR Act and  Full compliance oversight and manage
its Regulations; compliance with the FTR Act and its
Regulations, inclusive of corresponding
 Have the authority to act independently and to
banks, internal banking and other laws;
report to Board Risk and Audit Subcommittee
above the compliance officer’s next reporting
 Compliance Reviews & Checks on New
level;
Accounts/ New Loans Approved;
 Check that the AML and Compliance Officer
in reporting all cash or suspicious  Timely response to all stakeholders;
transactions as per the policy requirements;
 Ensure network are communicated on all or  Clearance of SWIFT sanctioned messages;
any Matters Relating to the AML issues;
 Ensure training or AML awareness programs  Risk assessment of corresponding Banks
are conducted as when required; relationships and ongoing compliance;

 Continuous reporting of other compliance  Update of SLAs & Compliance register;

issues that may have impact to business
operations due to changes of regulations, rules
 Ensure business comply with Acts;
and enactment;
Regulations; SLAs and RBF returns
 Where such regulation and enactment have  Ensure conducting FIU client search and
changes, opinions of either internal and or bank search from FRCA, Fiji Police,
external legal counsel to be obtained; FICAC, and Court.
 Ensure ongoing review of KYC
 Ensure monitoring of External Accounts on
documentation, information and due diligence
a daily basis
research for new and existing clients:
 Ensure AML screening on high risk
 Ensure meeting all the FACTA requirements

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to disclose certain information of their customers is conducted.
customers who are US citizens to the US tax
 Verifications of RBF returns
authorities;
 Assisting with audits, escalations, and
investigations on KYC issues as needed;
 Ensure the compliance register in updated
in consultation with Legal Department with
reports to the Board and senior
management;
 Ensure that AML screening of high risk
customers is carried out;
 Ensure that Risk assessment of
Corresponding Banking Relationships is
carried out;
 Ensure compliance checks are carried out as
per work-plan;
 Ensure bank searches are carried in liaison
with the account controllers for necessary
documents;
 Ensure clearing of SWIFT sanctioned
messages is carried out;
 Ensure continuous update of Compliance
Register in consultation with Legal
Department with reports to the Board and
senior management and monitoring
implementation;
 Ensure continuous update of Compliance
Register in line with internal policies and
procedures and monitoring implementation;
 Ensure verification checks of compliance
returns is conducted;
 Ensuring that SLA’s are updated and follow
up on renewals from respective
departments;
 Ensure monitoring of external accounts are
carried out.

Key Result Area 6: Risk Reviews and Assessments [Policies, Process , Products]
Jobholder is responsible for Jobholder is successful when
 Risk Reviews and Assessments of Policies  Risk reviews are provided within the
 Risk Reviews and Assessments of Process stipulated timeframes
 Risk Reviews and Assessments of Products
Risk reviews provides value adding to meet
 Risk Reviews and Assessments of Projects
HFC Bank’s strategic goals.

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Key Result Area 7: Other Corporate Initiative and People Management

Jobholder is responsible for
 Proactively participating in meetings, any
in-house or external training programs
 Carry out timely reviews of JDD
 Carry out timely completion of performance
appraisal
 Identification of training needs for unit staff
Jobholder is successful when
 Ensuring Timely Review of JDD & On
going
 Ensuring timely completion of Performance
appraisal
 In consultation with HR for:
- Stress Test/ Market & Liquidity Test
Training needs
- Ensuring Ongoing Training / Internal or
External
 All PMR to be completed by Sept 2016
 All KPIs rolled out by Aug 2016


Key Result Area 8: Financial Targets Lending/Non Lending Stream [Business Unit] and Other Initiatives
Jobholder is responsible for Jobholder is successful when

 Financial target lending /non-lending steam  Effectively contributing towards corporate

(Business Unit) and other initiatives; objectives of the bank with sales and
 Meeting or contributing directly or indirectly business generation as per the allocated
other corporate objectives of the institution. targets.

 Will support in promoting a culture of risk  Will support in promoting a culture of risk
awareness, identification and management at awareness, identification and management
every level within the bank. at every level within the bank.

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