To undertake reviews and quality assurance for all the BCAs in CC as well as provide support to improve the monitoring and control enviroment.
Key Roles and Responsibilities
*To analyze Commercial Clients segment customers’ risk using credit skills, ratio analysis, and management adjustment strategy *To jointly structure facilities with RMs to meet individual client needs with a view to maximizing earnings and minimizing risk and bad debts *Jointly accountable for credit applications with Relationship Managers *To jointly tailor make innovative financial solutions for clients, to anticipate market trends and counter competitive pressures *Responsible for adherence to group and local credit policy *To jointly monitor credit quality with RMs and Credit Analysts by highlighting early warning signs of credit deterioration *To train and motivate attached staff in order to assist meeting customer requirements and to increase their efficiency, competence and productivity *Be conversant with CRM/ORMAF requirements *Reporting suspicious transactions *Monitoring and control of excesses to minimize losses *Track and ensure improvement in the credit applications TAT
Qualifications and Skills
*Minimum qualifications- 1st degree and/or professional qualifications such as ACCA/CIMA/C or full Bankers Diploma and full Credit Skills Assessment Program/Trade Skills Assessment Program *Full Trade Skills Assessment Program *A good understanding and analysis of financial statements, cash flows and their impact on business *An in-depth knowledge of advanced lending techniques, group products, trade finance, investment instruments, credit rules and procedures and bank policies *Good knowledge of business conditions, banking and commercial law Experience *At least three years lending experience in responsible positions *Experience in credit structuring, evaluating risk, financial analysis and industry analysis *Strong lending, negotiation and decision making ability
Diversity and Inclusion
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential.
How to Apply
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