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Jobs
in Tanzania: Senior Credit Manager - Corporate Banking New Job Dar es salaam at Standard Chartered Bank | Deadline: 21st February, 2019
AJIRA TANZANIA / NAFASI ZA KAZI
Position: Senior Credit Manager - Corporate Banking - (1900002964)
Job: Risk
Primary Location: Africa & Middle East-Tanzania-Dar es Salaam
Schedule: Full-time
Employee Status: Permanent
Posting Date: 06/Feb/2019
Unposting Date: 21/Feb/2019
About Standard Chartered
We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To
us, good performance is about much more than turning a profit. It's
about showing how you embody our valued behaviours - do the right thing,
better together and never settle - as well as our brand promise, Here
for good.
We're committed to promoting equality in the workplace
and creating an inclusive and flexible culture - one where everyone can
realise their full potential and make a positive contribution to our
organisation. This in turn helps us to provide better support to our
broad client base.
PURPOSE:
•Participate and support
SCO in optimisation of usage of available capital resources and the
creation of a desired portfolio risk profile through the application, in
conjunction with the business, of Portfolio Standards and Risk Appetite
principles.
•Approve BCAs under personal delegated credit authority.
•Effective
management and monitoring of underwriting and control disciplines to
ensure good turnaround times, a well managed portfolio and the
enforcement of credit risk policies.
•Management of all stakeholders
including developing relationships with business partners and balancing
the role with stakeholder expectations.
•Ensure to maintain a strong credit culture and the highest standards and apply all the credit policies
•Ensuring quick transparent escalation of important issues and providing critical and timely inputs to key risk forums.
•To
ensure that quality of credit portfolio is maintained within acceptable
parameters as defined by the group and local business strategy.
•Monitor
and report excesses, breach of limit terms, early alert indicators and
ensure that all such accounts are managed as per laid down procedures.
•Undertake regular customer visits to keep abreast of local market developments.
RESPONSIBILITIES:
Portfolio Management
Portfolio Management
•Assist
with the formulation of annual Risk Appetite and Portfolio Standards in
Tanzania through joint sponsorship with the business.
•Influence and
monitor through use of Risk MI the shape and composition of the
portfolio against approved Standards, and escalate breaches with
recommendations for remedial action.
•To proactively manage the
portfolio and improve the quality of the book by growing in acceptable
sectors/client segments with top quartile names, acceptable credit grade
and risk/reward profile in line with business strategy.
•To
continuously monitor the portfolio through Leading Indicators, 80/20 and
other Tail Management initiatives so as to manage down slackening
sectors/ individual names.
•To analyse the portfolio on an ongoing
basis to identify exposure/ industry concentration and undertake
remedial measures to rebalance the same by preparing the monthly
Portfolio Standard Tracker and reporting the breaches.
•To monitor
and identify signs of deterioration on individual names with a view to
commence early remedial management of these accounts and thereby
minimise loan losses thus directly contributing to bottom line.
•Prepare monthly reports such as Portfolio Standard Tracker.
•Regularly review audit and CRR reports / KCIs & CSTs and identify key trends.
•Prepare all the inputs required from Credit Risk to assist the CCRO office.
•Prepare To stress test the respective country portfolios as appropriate to manage downside risks.
•Produce data and analysis/commentary for the Risk Information Report (“RIR”).
•Maintain vigilance over data quality and drive ongoing improvement.
•Support
CRC by Monitoring and reviewing the daily excess reports / CMS report
(for documentation deficiencies) / monthly RB reports
•Ensure timely
submission of various Credit Risk reports to Finance and Compliance for
Regulatory Reporting to the respective Central Banks.
•Ensure timely submission of data to region on EAR updates ,Local and Group Credit Policy Breaches
Credit Process Management
•Ensuring that the quality of Credit Applications meets Group standards, particularly with regard to the completeness and depth of risk analysis.
•Approving of Credit Applications falling within own discretion and support of applications, which require approval outside the territory.
•Attending the local Credit Issues Committees for respective countries to review credit related issues.
•To instil a strong credit culture and provide leadership to RM’s.
•Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assisting Special Assets Management, where appropriate, in managing substandard accounts to maximise recoveries and minimise losses.
•Discuss with business and approve daily transaction
•Support credit request (Transactions / BCAs / Waivers) to SCO / CCO
KNOWLEDGE AND SKILLS:
- 5+ years experience in banking. Functional experience in Corporate Banking Credit Risk Management.
- MBA /CA/CFA with experience in treasury/relationship management/consultancy and risk management;
- Good communication skills – written and oral;
- Good knowledge and grasp of banking practice, financial markets, Basel II and ICAAP, risk appetite, and portfolio management techniques;
- Hands on knowledge of the regulatory frameworks within the region;
- Strong analytical skills and ability to influence and resolve disputes. Enjoy decision making and have sense of ownership;
- Multi cultural awareness and sensitivity;
- Command respect of cross functional peers and business heads working in open ended situations;
- Good working relations with Regulators.
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