Analyst, Client

Dar es Salaam - Tanzania

Monthly Salary: Not Disclosed

Posted on: 14 hours ago

Vacancies: 1 Vacancy

Job Summary

To evaluate counter-party credit risks associated with Business Banking lending at the client interface with the primary objective to contain credit risk within acceptable parameters.

Strategic Focus:

Provision of direct (specialist/ professional) credit evaluation services at the customer interface.
Identifies credit and risk management requirements at the source of the deal negotiation/ business proposal.
Conducts credit evaluation interviews during deal negotiation to obtain sufficient and appropriate information to evaluate business risk and deal viability from a credit risk perspective.
Declines non-viable deals at source however works in partnership with Manager Origination Relationship Managers and Head Commercial to identify alternatives that could bring deals/ proposals within risk and client acceptable parameters relative to profitability.
Develop high quality credit solutions and recommends appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from Credit teams.
Presents and defends own judgement to clients in a manner which does not negatively affect the business relationship.

Business Acumen and Market Understanding:

Together with origination manager and Sponsoring RM will prepare a credit facility proposal to be presented to Client Service Team/Business Development and Credit Committee to seek for support.
Preparation of acceptable Applications for Facility (AFF) for Credit Decision.
Identifies quantifies and evaluates sources of risk in relation to profitability of business proposal and financial viability and interrogates information obtained to gain a thorough understanding of business parameters which create profit/ value as well as to mitigate all associated risks.
Utilises industry risk analysis available to identify and understand contextual threats to existing and potential clients.
Evaluates whether proposals meet sound business criteria and counter-party credit risk falls within acceptable client selection and risk parameters and recommends appropriate business credit facilities including covenants and terms or conditions of facilities.
Prepares credit applications by providing sound financial and business justification for deals/ proposals within acceptable client and risk acceptance parameters relative to the profitability.
Work in partnership with RMs on new and existing credit applications providing guidance on credit appetite and consulting with other product partners.
Liaise directly with the Head of Credit (HOC) and respective sanctioning credit evaluation manager (CEM) for all credits that are outside Risk management discretion.
Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.
Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements cost reduction.
Review and co-ordinate approved sanction letter and execution of documentation and drawdown of facilities.

Qualifications :

Experience Required

Education
- Bachelor of Commerce or similar qualifications
- Other relevant qualifications including ACCA/CPA is considered a bonus
Experience
- At least 3 years experience in Banking and/or Financial Services 2 years being in Credit.

Additional Information :

Behavioural Competencies:

Adopting Practical Approaches
Challenging Ideas
Checking Things
Documenting Facts
Examining Information
Exploring Possibilities
Generating Ideas
Interacting with People
Interpreting Data
Seizing Opportunities
Taking Action
Team Working

Technical Competencies:

Business Process Improvement
Data Analysis
Development
Emerging Technology Monitoring
IT Knowledge
Project Management (Project Mgmt)

Remote Work :

Employment Type :

Full-time

To evaluate counter-party credit risks associated with Business Banking lending at the client interface with the primary objective to contain credit risk within acceptable parameters.Strategic Focus:Provision of direct (specialist/ professional) credit evaluation services at the customer interface.I...

To evaluate counter-party credit risks associated with Business Banking lending at the client interface with the primary objective to contain credit risk within acceptable parameters.

Strategic Focus:

Provision of direct (specialist/ professional) credit evaluation services at the customer interface.
Identifies credit and risk management requirements at the source of the deal negotiation/ business proposal.
Conducts credit evaluation interviews during deal negotiation to obtain sufficient and appropriate information to evaluate business risk and deal viability from a credit risk perspective.
Declines non-viable deals at source however works in partnership with Manager Origination Relationship Managers and Head Commercial to identify alternatives that could bring deals/ proposals within risk and client acceptable parameters relative to profitability.
Develop high quality credit solutions and recommends appropriate facilities in line with risk evaluation with the view of obtaining fast credit approval from Credit teams.
Presents and defends own judgement to clients in a manner which does not negatively affect the business relationship.

Business Acumen and Market Understanding:

Together with origination manager and Sponsoring RM will prepare a credit facility proposal to be presented to Client Service Team/Business Development and Credit Committee to seek for support.
Preparation of acceptable Applications for Facility (AFF) for Credit Decision.
Identifies quantifies and evaluates sources of risk in relation to profitability of business proposal and financial viability and interrogates information obtained to gain a thorough understanding of business parameters which create profit/ value as well as to mitigate all associated risks.
Utilises industry risk analysis available to identify and understand contextual threats to existing and potential clients.
Evaluates whether proposals meet sound business criteria and counter-party credit risk falls within acceptable client selection and risk parameters and recommends appropriate business credit facilities including covenants and terms or conditions of facilities.
Prepares credit applications by providing sound financial and business justification for deals/ proposals within acceptable client and risk acceptance parameters relative to the profitability.
Work in partnership with RMs on new and existing credit applications providing guidance on credit appetite and consulting with other product partners.
Liaise directly with the Head of Credit (HOC) and respective sanctioning credit evaluation manager (CEM) for all credits that are outside Risk management discretion.
Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.
Proactively contribute to embedding agreed change management initiatives in support of process and quality improvements cost reduction.
Review and co-ordinate approved sanction letter and execution of documentation and drawdown of facilities.

Qualifications :

Experience Required

Education
- Bachelor of Commerce or similar qualifications
- Other relevant qualifications including ACCA/CPA is considered a bonus
Experience
- At least 3 years experience in Banking and/or Financial Services 2 years being in Credit.

Additional Information :

Behavioural Competencies:

Adopting Practical Approaches
Challenging Ideas
Checking Things
Documenting Facts
Examining Information
Exploring Possibilities
Generating Ideas
Interacting with People
Interpreting Data
Seizing Opportunities
Taking Action
Team Working

Technical Competencies:

Business Process Improvement
Data Analysis
Development
Emerging Technology Monitoring
IT Knowledge
Project Management (Project Mgmt)

Remote Work :

Employment Type :

Full-time

Key Skills

Customer Service
Client Expectations
Client Requirements
Client Support
Action Plans
Issue Resolution
Account Management
Client Relationships
Service Delivery
Client Service
Client Satisfaction
Client Management
Procedures
Service Level Agreements
New Clients

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About Company

Standard Bank Group

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients ... View more

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