Job Recruitments at Stanbic IBTC Bank

• To provide effective value adding risk management to assist Business Banking Teams in the Business Banking space in achieving their asset growth targets, whilst maintaining a quality-lending book, through effective underwriting, evaluation and approval of credit applications.
• The delivery of a professional service to all business units, by assessing and evaluating credit facilities (new and/or existing) based on sound credit & financial principles, whilst adhering to the Bank’s group credit risk standards, maintaining credit independence and managing risk reward balance

Key Responsibilities / Accountabilities
Evaluation and approval of applications:

• Evaluate accurately credit proposals to ensure they meet sound business criteria and credit risk fall within acceptable parameters within approved turnaround times. 
• Identify, quantify and evaluate credit risks in relation to profitability of business proposals and financial viability of Business banking credits.
• Process credit applications and ensure timely and quality credit assessments and decisions are made.
• Build relationship with Relationship Managers/Business Bankers and collaborate to improve quality of business proposals and turnaround time on credit evaluations.
• Active participation at the Business Assessment Committee meetings

Risk Management:

• Monitor the risk grading of all Business Banking customers using BBRS
• Ensures that the Bank’s need to provide adequate controls over the risks encountered in the post-credit granting stage of the credit process are satisfied by ensuring the appropriateness, consistency, validity and enforceability of all collateral confirming that all collateral and legal documentation in respect of banking facilities and advances granted have been obtained’ are in legal order and properly housed.
• Ensures all identified credit control events and payment defaults are managed, in order to reduce the roll rate of non-performing loans into lock up portfolio by providing a prompt and orderly turnaround environment in which controls can be exercised to ensure that the Bank is not faced with avoidable losses.
• Ensures that timely and quality credit delivery and decisions are made within agreed Service Level Agreements (SLAs) within the in the Business Banking space.
• Review of relevant internal & external communications, such as circulars, economic reviews on industries, & financial or industry publications to ensure that any development, new requirements or external risks are properly taken cognizance of in lending decisions or conditions of lending.

Governance, Risk and Compliance:

• Ensures compliance with country adopted standards, policies, mandates and procedures governing activities within the credit space
• Actively participates in Credit Risk Management Committee meetings and watch list committee meetings and provides meaningful input into risk appetite discussions, portfolio management and collections strategies as well as detecting and evaluating shifts or changes in key risk parameters and the effects of such changes on portfolios and relationships.