Job Vacancies at Standard Chartered Bank Nigeria for a Credit Evaluation Manager

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Standard Chartered Bank Nigeria – We appeal to gifted people. Not solely can they provide the good thing about their expertise, additionally they reveal a nearer, extra private look at the big selection of worldwide alternatives we provide.

At the core of the Group’s people technique is our give attention to worker engagement. Engagement is a key driver of productiveness and performance, which creates the inspiration of our performance tradition. We encourage and give attention to the behaviours that convey out the very best from each worker, assessing their performance not simply on outcomes however on how these outcomes had been achieved. To additional embed these behaviours now we have a remuneration programme in place, fastidiously designed to incentivise our staff to reside our values every single day.

We are recruiting to fill the place beneath:

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Job Title: Credit Evaluation Manager
Job ID: 48116
Location: Lagos Island, Lagos
Job Sector: Banking

Job Details

  • Risk Management: understanding all dangers – from the financial to the political – that would have an effect on our international enterprise, and providing steering to all elements of the financial institution.

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Job Purpose

  • To present efficient worth including threat administration to help Business Banking Teams within the Business Banking area in attaining their asset progress targets, while sustaining a quality-lending ebook, by means of efficient underwriting, analysis and approval of credit score functions.
  • The supply of a skilled service to all enterprise items, by assessing and evaluating credit score amenities (new and/or current) primarily based on sound credit score & monetary ideas, while adhering to the Bank’s group credit score threat requirements, sustaining credit score independence and managing threat reward steadiness

Key Responsibilities/Accountabilities
Evaluation and approval of functions:

  • Evaluate precisely credit score proposals to make sure they meet sound enterprise standards and credit score threat fall inside acceptable parameters inside authorised turnaround occasions.
  • Identify, quantify and consider credit score dangers in relation to profitability of enterprise proposals and monetary viability of Business banking credit.
  • Process credit score functions and guarantee well timed and high quality credit score assessments and selections are made.
  • Build relationship with Relationship Managers/Business Bankers and collaborate to enhance high quality of enterprise proposals and turnaround time on credit score evaluations.
  • Active participation at the Business Assessment Committee conferences

Risk Management:

  • Monitor the chance grading of all Business Banking clients utilizing BBRS
  • Ensures that the Bank’s want to offer sufficient controls over the dangers encountered within the post-credit granting stage of the credit score course of are happy by guaranteeing the appropriateness, consistency, validity and enforceability of all collateral confirming that every one collateral and authorized documentation in respect of banking amenities and advances granted have been obtained’ are in authorized order and correctly housed.
  • Ensures that well timed and high quality credit score supply and selections are made inside agreed Service Level Agreements (SLAs) throughout the within the Business Banking area.
  • Review of related inside & exterior communications, akin to circulars, financial critiques on industries, & monetary or trade publications to make sure that any growth, new necessities or exterior dangers are correctly taken cognizance of in lending selections or situations of lending.
  • Ensures all recognized credit score management occasions and fee defaults are managed, to be able to cut back the roll charge of non-performing loans into lock up portfolio by offering a immediate and orderly turnaround surroundings by which controls will be exercised to make sure that the Bank shouldn’t be confronted with avoidable losses.

Governance, threat and compliance:

  • Ensures compliance with nation adopted requirements, insurance policies, mandates and procedures governing actions throughout the credit score area
  • Actively participates in Credit Risk Management Committee conferences and watch listing committee conferences and offers significant enter into threat urge for food discussions, portfolio administration and collections methods in addition to detecting and evaluating shifts or adjustments in key threat parameters and the results of such adjustments on portfolios and relationships.

Problem Solving:

  • Identifies enterprise wants and current credit score methods and interprets these into operational actuality.
  • Constantly problem established pondering and to facilitate constructive discussions that result in steady enchancment in working processes.
  • Ability to judge the dangers/reward of every credit score facility application and supporting info, considering broad trade dangers, complete financial institution publicity to particular industries, and the chance and profile of the counterparty making use of for credit score.
  • Manage the cross-functional conflicts that will come up in the midst of working with the enterprise groups.
  • Builds relationship with Relationship Managers to enhance and preserve enterprise/credit score relationship
  • The capability to steadiness competing enterprise wants with threat mitigation necessities.
  • The capability to use applicable threat mitigation methods to enhance the bankability of marginal proposals.

Portfolio Management:

  • Effective administration of the zonal portfolio to ship the specified outcome alongside asset progress, threat, delinquency and price containment.
  • Ensures that every one inside and exterior reporting is accomplished precisely, on time and that applicable worth including insights into the portfolio are supplied in order that each inside and exterior customers of data have a deep and applicable perception into the standard of the portfolio and the appropriateness of the processes
  • Ensure there are efficient controls in place to rectify any recognized gaps/dangers within the portfolio

Credit Committee Secretariat Management:

  • Prepare minutes of Credit Committee conferences inside 48hours of each assembly
  • Ensure all authorised amenities are sanctioned in keeping with the phrases of approval of the committee
  • Effective monitoring of all credit score committee motion plans; well timed reporting and escalation of all breaches

Preferred Qualification and Experience
Qualifications and Experience:

  • First Degree in Business Commerce / Finance and Accounting / Mathematical Sciences
  • Professional qualification (ACIB), ACA, ACCA, ACIS
  • Masters’ Degree is an added benefit
  • Minimum of seven years expertise in credit score threat, credit score evaluation/analysis, threat administration, enterprise growth and portfolio administration
  • Minimum of seven years expertise in managing industrial banking and different Strategic Business Units’ relationships

Knowledge/Technical Skills/Expertise
Technical Competencies:

  • Loan evaluation and approval
  • Financial Statement Analysis
  • Operating cashflow evaluation
  • Debt Consolidation
  • Mortgage Lending
  • Asset Based Lending

 

How to Apply
Interested and certified candidates should:
Click here to apply

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