Wednesday, 1 September 2021

Ajira Mpya Standard Chartered Bank Dar es salaam, Apply Now


 Credit Analyst, CCIB 

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.

The Role Responsibilities

Origination
    Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence
    Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products
    Work with RM in a) obtaining all pre clearances like ER negativity, segmentations, etc b) preparing & presenting work-shopping note and c). expediting approvals
    Responsible for end to end BCA process including preparing all the tools like Raptor, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
    Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements etc.
    Coordinate and prepare for GCC meeting
    Liaise with GAM credit for limit approval/allocation. Release the trade offering in IMEX under the delegated Authority from the Segment Head, after obtaining the necessary approvals.
    Seek necessary approvals for excesses in the account.

Post deal account monitoring
    Monitor quality of the portfolio by tracking excess/past dues, strictly complying with ASTAR, EAR processes.
    Ensure timely submission of quality Quarterly Credit Reports.
    Monitor Risk triggers, Covenants and other credit conditions and report appropriately.
    Ensure Zero BCA over dues.
    Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.
    Proper maintenance of Credit files and ensuring Audit Ready at any time
    Attend EAR/Portfolio call/ MTM calls along with RMS
    In partnership with the relationship manager, ensure timely identification of account to be put in EAR as per the bank’s policies and guidelines.
    Prepare timely stress tests wherever required
    Prepare specific industry study wherever required.
    Work on specific request from custody for limits (only FI specifc).
    Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
    Prepare Credit opinion reports wherever required.
    Effective use of creditmate & RMWB.

Monitoring and Controls
    Keep a vigil on the Portfolio Monitoring Reports/ Credit Monitoring processes & ensuring that liad down procedures/Policies are complied with any deviations to be escalated to Unit Head/ Head Credit & Operational Risk Controls/Credit
    Oversight on CIC/ASTAR process. A proactive approach to identifying EAR accounts – No sudden slippages into GSAM.
    Ensure to remain alert to the risk of money laundering and assist in the Banks efforts in combating it by adhering to the key principles in relation to : identifying our customer, knowing our customer, reporting suspicious transactions, safeguarding records and not disclosing suspicions to customers.

Regulatory & Business Conduct
    Display exemplary conduct and live by the Group’s Values and Code of Conduct.
    Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

External
    Clients (including at senior level) / Trade associations, etc
    legal firms
    Accountants etc

Internal
Credit
    RM/CCG
    Senior stakeholders (FM/TB/CA/CRC/Credit, etc)

Other Responsibilities
    Effective structuring the deal along with the RM – no of structured deals handle successfully
    Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
    Revenue from the portfolio
    No overdue BCA, QCR
    Efficient handling of EAR, minimal ASTAR
    Nil provisioning.
    Satisfactory audit and other internal & external reviews
    No movement of account to GSAM without going through EAR
    A proactive approach to identifying EAR accounts – No sudden slippages into GSAM.
    Timely generation & circulation of various Monitoring reports.
    No surprise deficiencies to be detected in the Excess Monitoring Reports after the stipulated timelines for checking of the Reports- Evaluation to be based on spot checks by line manager and will take into account any relevant findings by internal/external audit/assurance reviews.

QUALIFICATIONS:
    Degree in Business/Commerce/Economics preferred, however a degree in a science or other related field where analytical skills are gained is acceptable
    ACCA/CPA qualifications are an added advantage

Apply now to join the Bank for those with big career ambitions.

To view information on our benefits including our flexible working please visit our career pages. We welcome conversations on flexible working.

The deadline for submitting the application is 15 September 2021.

APPLY ON THIS LINK



Relationship Manager, Local & Mid Corporates

Job purpose
    RM would be responsible for Origination and would work closely as a team with the CA and CCM in deepening relationships and driving revenue growth.
    The RM is overall responsible for post deal account maintenance and managing the risk associated with the portfolio. He has an overview on CCM who holds direct responsibility for post transactional activities and the CA for credit related activities

Origination
    Identify prospect and convert in line with Bank’s appetite.
    Ensure quality of the sales pitch and lead them with the clients. Also review the Term sheets before delivering to clients.
    Work with CA and obtain all pre-deal clearances.
    Effectively use CRM for managing a healthy pipeline and also a record of client calls and discussions.
    Oversee CCM to ensure smooth on-boarding of client after thorough completion of documentation and other processes.
    Senior client calling and briefing on a regular basis for account maintenance and deal negotiation. Also engage senior internal stakeholders for marketing, credit and any other pertinent issues

Client on-boarding & deal execution
    Work closely with CA, product partners, GAM/FAM and analyze a) wallet size b) determine appropriateness of the product and c) work out a comprehensive account plan.
    Successfully negotiate and close out pricing and other deal dynamics with client
    Oversee the quality & turnaround of credit proposal and ensure faster delivery. Work with CA for resolving Credit queries.
    Oversee the CCM to ensure all documentation and security creation are completed on time to ensure smooth execution of transaction.
    Liaising with Legal/external counsel/CRC in preparation and execution of non standard complex transactions along with product partners.
    Work with CDD team to ensure proper completion of eCDDs.

Account Management & portfolio quality
    Along with the product partner, push for line utilization of complex and structured transactions. Oversee the CCM in ensuring high utilization of regular WC facilities.
    Review Failed Trade status, EAR, ASTAR CCRT, etc with the CA to ensure discipline and quality in portfolio
    Review the excess/past due situation with CCM to ensure they are regularized and also facilitate approvals wherever required.
    Review and monitor the client profitability to ensure there are no revenue leakages.
    Attend various internal or external sales/ non sales meetings like EAR, CAT, MTM calls, Portfolio Review Meeting and convene the consortium meetings where we are the lead bank.
    Maintain record of Confidentiality Agreement (Sales Team Leader to maintain file & copies will also be held by signatories to the agreement)
    Overall responsible and accountable for the credit quality of the assigned/acquired portfolio.
    Ensure you remain alert to the risk of money laundering and assist in the Bank’ efforts in combating it by adhering to the key principles in relation to: identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers

Regulatory & Business Conduct
    Display exemplary conduct and live by the Group’s Values and Code of Conduct.
    Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.
    Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key Stakeholders

External
    Clients (including at senior level) / Trade associations, etc
    Legal firms
    Accountants etc

Internal
    GAM/FAM
    Senior stakeholders (FM/TB/CA/CRC/Credit, etc)

Other Responsibilities
    Maximising Revenue (including RoRWA)
    Nil Provisioning
    Cross Sell
    New client’s addition & franchise building
    Quality of calling including ideating deals originated
    Quality of portfolio including Credit and other hygiene factors.

QUALIFICATIONS:
    Degree in Business/Commerce/Economics preferred
    Apply now to join the Bank for those with big career ambitions.
    To view information on our benefits including our flexible working please visit our career pages. We welcome conversations on flexible working.

The deadline for submitting the application is 15 September 2021.

APPLY ON THIS LINK

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