Credit Risk Management Officer, Commercial at Stanbic IBTC

Stanbic IBTC's success is built entirely upon our people. With an unrivalled global reputation for innovation and service, our corporate culture promotes independence, teamwork, and creativity. Optimising this environment and ensuring clarity of goals and communication is just one aspect of the work managed by our HR division, and they now need a shared services officer to help them meet these business-critical goals

• Ensure that commercial accounts identified as problematic are placed on the watch list and re-risk graded to reflect their current irregular status.  
• Oversee that commercial accounts identified as problematic are taken up with the Business Unit to ensure that remedial action is taken to regularise the exposure and /or escalate them to the Rehabilitation and Recoveries team 
• Ensure that covenants and approval conditions for commercial facilities are recorded, diarised and followed up effectively.
• Identify irregular commercial accounts and liaise with respective branches to ensure that remedial action is taken to regularize the exposures or escalate them to respective evaluation Manager or Manager, Credit Risk Management who will escalate them further to higher authority.
• Maintain a diary system to ensure timely follow up and ensure that corrective action is taken and the account rectified as indicated. 
• Ensure that irregular commercial accounts are down graded as per policy and facilitate hand over to R & R post 30 days in arrears. 
• Communicate with branches to ensure regularization of commercial accounts.
• Ensure that commercial accounts identified as problematic are placed on the watch list.  
• Monthly reporting of commercial accounts to be placed on Watchlist to Team Leader, Credit Risk Management.
• Updating Covenant tracker – Monthly for all commercial accounts.
• Prepare conditions precedent checklist  to facilitate approval for  draw down of commercial facilities once satisfied that all terms and conditions of sanction/covenants for commercial activities have been met and all required collateral have been obtained and are in legal order.
• Any other responsibility assigned by the Team Leader.

• Graduate with a minimum of one year experience preferably in banking.
• Thorough working knowledge of the operating system and its related procedures, for analysing the account behaviour of clients, identifying trends or shift in credit risk profiles and the management of excesses. 
• Credit management experience. 
• Good understanding of credit policies & processes.
• Required Competencies
• Excellent oral & written communication skills.  Correspondence to be articulated in a logical and well-structured manner.  Must be able to convey facts, ideas and opinions clearly.
• Socially sensitive; Understand internal / external customers and adapt social behaviour accordingly. 
• Proficiency in the use of MS Office Suite especially MS Excel.
• Analytical skills with ability to analyze large data.
• Attention to detail. Thorough, particular and accurate in nature. 
• Initiative. Identification of possible outcomes and taking preventative measures. 
• Resilience. Ability to stand ground when being challenged. 
• Integrity. Maintaining a high level of trust. 
• Good organizational skills to achieve required work flow. 
• People management skills and great team player.
• Methodical; Must be able to prioritize and organize.