New member? Register
  
 
 



Administrative Jobs in Nigeria

Advertising Jobs Nigeria

Accounting Jobs in Nigeria

Auditing Jobs Nigeria

Arts Jobs in Nigeria

Agriculture Jobs in Nigeria

Architecture Jobs in Nigeria

Aviation Jobs in Nigeria

Automobile Jobs in Nigeria

Banking Jobs in Nigeria

Classified Jobs Nigeria

Computer & InfoTech Jobs

Customer Service Jobs

Civil Engineering Jobs

Cook Jobs

Database Jobs in Nigeria

Driving Jobs in Nigeria

Education Jobs for Nigerians

Estate Management Jobs

Electrical/Electronics Jobs

Engineering Jobs in Nigeria

ERP & SAP Jobs in Nigeria

Facility Mgt Jobs in Nigeria

Finance Jobs in Nigeria

Front Desk Jobs in Nigeria

Geology & Drilling Jobs

Government Public Service-

Hardware Jobs in Nigeria

Hospitality Jobs in Nigeria

Hotel Jobs

HR Jobs in Nigeria

Industrial Attachment (Internship)

Insurance Jobs in Nigeria

Internet & Work aHome Jobs

Java Jobs in Nigeria

Law Enforcement Jobs

Lecturing Jobs in Nigeria

Legal Jobs in Nigeria

Linux & Unix Jobs Nigeria

Marketing & Sales Jobs

Mass Communication Jobs

Maritime & Shipping Jobs

Medical & Healthcare Jobs

Military Jobs in Nigeria

Ministry & Parastatal Jobs

Computer Networking Jobs

NGO Jobs in Nigeria

Oil & Gas Jobs in Nigeria

Oracle Jobs in Nigeria

.Net Technology Jobs Nigeria

Personal Assistant Jobs

PHP & MySQL Jobs in Nigeria

Physician & Med Practioner

Public Sector/Service Jobs

Public Relation Jobs

Programming Jobs in Nigeria

Pri/Sec Sch Teaching Jobs

Real Estate Jobs in Nigeria

Research Jobs in Nigeria

Safety & Health Jobs

Secretarial Jobs in Nigeria

Security Jobs in Nigeria

Sales Jobs

Shipping & Maritime Jobs

Student Jobs in Nigeria

Mass Communication Jobs

Software Developer Jobs

System Admin Jobs in Nigeria

Teaching Jobs in Nigeria

Telecommunication Jobs

Unskilled Jobs Nigeria

Volunteer Jobs Nigeria

Web Developer Jobs Nigeria

Web Designer Jobs in Nigeria




Get Latest Nigerian Job Alert!
Enter your email below.

Delivered by FeedBurner












  
          Popular Jobs
Atromag Nigeria Limited Job Recruitment (3 Positions)

British Council of Nigeria Job Recruitment

Transaction Officer at a Leading Commercial Bank - Workforce Group

Growth in Value Alliance (GV Alliance) Partners Job Recruitment (3 Positions)

Animal Care Service Konsult Nigeria Limited Job Recruitment (5 Positions)

Alfred & Victoria Associates Job Recruitment (14 Positions)

Sahel Consulting Agriculture & Nutrition Limited (SCANL) Job Recruitment (3 Positions)

Latest Oil & Gas Job Opportunities in Nigeria - HNJ Exclusive

HNJ Exclusive Job GOODY Bag - December Week Two UPDATE!

Latest Internship Job Recruitment in Nigeria - HNJobs (Weekly Recap)

Latest Graduate Level Job Recruitment in Nigeria - HNJobs (Weekly Recap)

HNJobs (Recap): Federal/State Government Job Opportunities - HNJ Exclusive

Latest Management Trainee Job Recruitment in Nigeria - HNJobs (Weekly Recap)

Latest Customer Service / Front Desk Job Recruitment in Nigeria - HNJobs (Weekly Recap)

Pickmeup International Company Job Recruitment (6 Positions)

Media Link Limited Job Vacancies (3 Positions)

Opera Software Nigeria Recruitment for Product Manager

Invent Alliance Limited Job Recruitment (7 Positions)

Royal Norwegian Embassy Graduate & Exp. Job Recruitment (3 Positions)

RGS Worldwide Limited Job Recruitment (17 Positions)

MTN Nigeria Job Recruitment (17 Positions)

Marikech Limited Job Vacancies (3 Positions)

Beezy Ideas Job Vacancies (3 Positions)

Zido.co Network Limited Job Vacancies (4 Positions)

Ericsson Nigeria Job Recruitment (3 Positions)

Financial Planner / Advisor at NSIA Insurance Limited

Creative Associates International Job Recruitment (3 Positions)

Infosec Engineer (Graduate & Exp.) at Interswitch Group

CA Global Job Recruitment (10 Positions)

One Acre Fund Graduate & Exp. Job Recruitment (7 Positions)

Team Ace Job Recruitment (7 Positions)

COOPI Cooperazione Internazionale Job Recruitment (3 Positions)

Marcforte Business Consulting Limited Job Recruitment (5 Positions)

Pause Factory Resources Limited Job Vacancies (4 Positions)

Catholic Relief Services (CRS) Job Recruitment (6 Positions)

Aitechma Graduate & Exp. Job Recruitment (4 Positions)

Helena Frey Limited Graduate & Exp. Job Recruitment (4 Positions)

SIMS Nigeria Limited Job Recruitment (5 Positions)

Willers Solutions Limited Job Vacancies (6 Positions)

Oasis Africa Consulting Limited Job Recruitment (4 Positions)

African Development Bank Group (AfDB) Job Recruitment (18 Positions)

Vogue Web Solutions Limited Job Recruitment (6 Positions)

WTS Energy Job Recruitment (3 Positions)

Jafas & Sons Motor Enterprises Nigeria Limited Job Recruitment (3 Positions)

Airtel Nigeria Job Recruitment (6 Positions)

School Kits Limited Job Recruitment (3 Positions)

International Institute of Tropical Agriculture (IITA) Job Recruitment (3 Positions)

Deep Blue Energy Services Limited (DBESL) Job Recruitment (9 Positions)

Leading Engineering and Consulting Firm Job Vacancies (6 Positions)

Jon-Hass Ventures Job Vacancies (3 Positions)


Credit Evaluation Manager at Stanbic IBTC Bank

Posted on Wed 04th Dec, 2019 - hotnigerianjobs.com --- (0 comments)


Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 150 years, and now spans 16 countries across the African continent.

Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible and vibrant working culture. To help us drive our success into the future, we are looking for resourceful individuals to join our dedicated team at our offices.

We are recruiting to fill the position below:

Job Title: Credit Evaluation Manager

Job ID: 45249
Location: Lagos Island
Job Sector: Banking

Job Details
  • Risk Management: understanding all risks - from the economic to the political – that could affect our global business, and offering guidance to all parts of the bank
Job Purpose
  • 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.
Problem Solving:
  • Identifies business needs and existing credit strategies and interprets these into operational reality.
  • Constantly challenge established thinking and to facilitate constructive discussions that lead to continuous improvement in operating processes.
  • The ability to balance competing business needs with risk mitigation requirements.
  • The ability to apply appropriate risk mitigation techniques to improve the bankability of marginal proposals.
  • Ability to evaluate the risks/reward of each credit facility application and supporting information, taking into account broad industry risks, total bank exposure to specific industries, and the risk and profile of the counterparty applying for credit.
  • Manage the cross-functional conflicts that may arise in the course of working with the business teams.
  • Builds relationship with Relationship Managers to improve and maintain business/credit relationship
Portfolio Management:
  • Effective management of the zonal portfolio to deliver the desired result along asset growth, risk, delinquency and cost containment.
  • Ensures that all internal and external reporting is completed accurately, on time and that appropriate value adding insights into the portfolio are provided so that both internal and external users of information have a deep and appropriate insight into the quality of the portfolio and the appropriateness of the processes
  • Ensure there are effective controls in place to rectify any identified gaps/risks in the portfolio
Credit Committee Secretariat Management:
  • Prepare minutes of Credit Committee meetings within 48hours of every meeting
  • Ensure all approved facilities are sanctioned in line with the terms of approval of the committee
  • Effective monitoring of all credit committee action plans; timely reporting and escalation of all breaches
Preferred Qualification and Experience
Qualifications and Experience:
  • First Degree in Business Commerce/ Finance and Accounting/Mathematical Sciences
  • Professional qualification (ACIB), ACA, ACCA, ACIS
  • Masters’ Degree is an added advantage
  • Minimum of 7 years experience in credit risk, credit analysis/evaluation, risk management, business development and portfolio management
  • Minimum of 7 years experience in managing commercial banking and other Strategic Business Units’ relationships
Knowledge/Technical Skills/Expertise
Technical Competencies:
  • Loan assessment and approval
  • Financial Statement Analysis
  • Operating cashflow analysis
  • Debt Consolidation
  • Mortgage Lending
  • Asset Based Lending
Application Closing Date
Not Specified.

How to Apply
Interested and qualified candidates should:
Click here to apply online

  

Comments (0)


Post a Comment
Name: *
Email: *
Comment: *