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Senior Credit Manager At Stanbic IBTC Bank

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

A senior management position that carries full responsibility for the credit approval and management process in respect of a portfolio.  Develop and maintain co-operative relationships between all stakeholders in the credit value chain.  This position will likely include leadership responsibility for a team of Credit Managers.



KEY RESPONSIBILITIES / ACCOUNTABILITIES
Evaluation and Approval of Credit Applications:
• Strong analytical skills, with the ability to review and understand complex transactions
• Analysis of credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal
• A good understanding of the Risk Reward for each deal reviewed
• Well thought out decisions showing sound judgement where applications are within Delegated Authority
• Effective provision of analyses and recommendations where applications require referral
• Present applications to Credit Committee, consisting of Exco members.
•Specialist knowledge of Project Finance, Structured Transactions or other Product knowledge a requirement

On-going Credit Management:
• Proactively communicate key risks as they arise
• Overall management of the portfolio of accounts with appropriate escalation
• Monitoring, questioning and understanding changes in credit quality in any counterparty/industry
• Making recommendations to the Director Credit regarding portfolio strategies (Country and Industry trends and the strategic implications for managing the credit facilities of clients in those geographies and industries)

Leadership:
• Proven ability to lead teams and develop Credit Managers
• Demonstrate and/or develop a proactive, “Change The Bank” mindset
• Ability to influence all key stakeholders through knowledge and experience
• Identify and drive change within Credit and the Business by initiating and owning change projects



SUCCESS INDICATORS


High level of credibility in respect of recommendations and decisions made.

The ability to deal with new business requests and understand complex transactions and products.

The ability to coordinate and manage the credit origination and approval process across various jurisdictions.

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

The ability to provide constructive workable guidance to in deal origination teams.

The ability and confidence to operate independently whilst still operating as an effective team player

Taking the lead as a change agent in teams and build a profile across various Risk types and the Bank.

Method of Application

Interested and qualified? Click the Apply now button to send your application

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