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Credit Risk Approver At Standard Chartered Bank

Date Posted: 18/Jan/2014
Deadline: Not Specified

 
Job Description


To ensure that credit of the FI portfolio of wholesale banking  is maintained within the acceptable parameters as defined by WB credit policy and underwriting standards (CUS) and that the reporting of information relating to the portfolio is timely and accurate
Key Roles & Responsibilities
Strategic People Agenda and Talent Management . where relevant:-
Assist in attracting, developing and retaining high calibre staff

Credit Approval & Portfolio Management
Approved credits within Delegated Credit Authority
Formulate risk appetites for the region in joint sponsorship with the other risk and business partners.
Partnering with the business to deliver strategic aspirations whilst remaining within agreed risk appetite and optimising use of risk capital.
Active involvement in Business strategy formulation within our risk appetite that encapsulate the agreed strategy.
Identify, review and control risk profiles (eg. CG migration, risk concentration, RWA) to ensure that portfolio shape is in line with strategy.
Understand sensitivities to key risk drivers and potential stress impact on the portfolio. 
Monitor external factors such as state of the economy, regulatory environment and other emerging risk trends.
Ensure that the portfolio evolve appropriately to proactively manage changes in external environment, strategy and/or risk appetite.
Oversee the monitoring and escalation of potential problem accounts eg. through the early alert process, MTM reviews. 
Provide guidance in managing up or out of accounts exhibiting signs of deterioration and assist Group Special Assets Management, where appropriate, to maximise recoveries.
Assess potential portfolio / individual impairments and implement appropriate portfolio or account strategies to minimise losses.
Ensuring specific and general stress tests are being conducted periodically, in accordance with the assertions made within Group / Country ICAAP documents, including understanding the RWA impact of credit grade migration and the potential constraints this will place on new business.
Qualifications & Skills
•Minimum of a 2nd Class degree in a relevant course.
•Experience in credit risk management and/or as a relationship manager within structured/specialised financial institutions functions.
In compliance with the National Youth Service Corps (NYSC) Act of 2004, all applicants should ensure that they have completed the mandatory NYSC programme. A discharge certificate will be required as evidence of completion of the programme. Where an exemption has been granted, a certificate of exemption will also be required.
Diversity & 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

Method of Application

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