Ongoing Job Recruitment at Standard Chartered Bank in Zambia – September 2017
- Company: Standard Chartered Bank
- Location: Lusaka, Lusaka Province, Zambia
- State: Lusaka
- Job type: Full-Time
- Job category: Banking Jobs in Zambia
- Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
- Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
- Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.
Key Roles and Responsibilities
- Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
- Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
- Liaise with GAM Credit for limit approval/allocation.
- Financial analysis of institutional customers using credit skills, ratio analysis, evaluation of parent support policies, judgment of management strategy.
- Evaluation and understanding of risks associated with individual transactions, products and borrowers.
- Responsible for end-to-end BCA process including preparing all the tools like Raptor, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
- Ensure that the approval procedures, standard of credit and maintenance, conform to controls/procedures established by head of credit for the business unit.
- Ensure compliance with bank policy and to ensure Bank Policy breaches are properly authorised at the correct senior approving level.
- Spread of financial statements and raising appropriate concerns.
- Liaise with GAM Credit for limit approval/allocation.
- Coordinate and prepare for CIC meetings
Post Deal Account Monitoring
- Monitor receipt of quarterly/ annual financial information for annual review.
- Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.
- Ensure timely submission of quality Quarterly Credit Reports
- Monitor Risk Triggers, Covenants and other Credit Conditions and report appropriately
- Ensure zero BCA over dues.
- Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
- Proper maintenance of Credit files and ensuring Audit Ready at any time
- Attend CIC, Portfolio / Mark to Market calls along with the RMs
- In partnership with the Relationship Manager, ensure timely identification of accounts to be put in EAR as per the Bank’s Policies and Guidelines
- Participate regularly in account planning sessions to ensure familiarity with customer business.
AML & CDD
- Full accountability for ensuring total compliance to current Customer Due Diligence (CDD) and Anti-Money Laundering (AML) policy guidelines and changes as advised from time to time by Group and Regulators