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Credit Manager At Stanbic IBTC Bank

Date Posted: 30/Dec/2013
Deadline: 02/Jan/2014

Manage a portfolio of counterparty credit risks associated with lending, trading, and investing activities, with the primary objective of assessing and managing risk within acceptable parameters. This position might include leadership of other Credit Managers.


KEY RESPONSIBILITIES / ACCOUNTABILITIES
Ownership and understanding of the risk profile of the credit portfolio allocated.

Formulation and recommendation and/or evaluation of credit proposals, with a comprehensive risk assessment for new or increased facilities, as well as annual risk reviews on the existing portfolio base. This will usually entail visiting the customer and engaging at MD, FD or FM level, and where necessary.  Present applications to Credit committees consisting of Exco members.

Coordinate and ensure that the post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction.

Follow up and address non-adherence to terms and conditions of sanction by counterparties; to consider the inherent risk therein and to make recommendations as to action to be taken to regularise or mitigate such increased risk.

Coordinate research in respect of industry and market risk in relation to counterparty exposures on the underlying portfolio.  

Articulate credit appetite and give guidance structure of deals and documents required.

Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities.  Conduct annual risk reviews on the existing portfolio base.

Make timeous, sound and pragmatic recommendations and decisions in managing accounts within portfolio.

Daily management, escalation and control of portfolio irregularities.

Participate in projects as delegated from time to time.


SUCCESS INDICATORS
Proactive engagement in managing key stakeholders, resulting in positive feedback from stakeholders and client satisfaction.

Ability to act autonomously and manage the portfolio effectively by supporting Business with an understanding basic products.  Escalate more complex products to Senior Management.

High reliability of decisions and recommendations made.

Finding alternatives in order to make deals work (if possible) and in so doing, add value to the deal making process.

Ability to network across the Business and create a positive profile for the Credit Risk team.

Share knowledge and develop junior members of the team.

Method of Application

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