Stanbic Bank Careers

Key Responsibilities:

Product

• Provide accurate, expert and specialist advice to all divisions and business & commercial banking & Personal & Private Banking units with regards to Covenant monitoring transactions.
• Participate in knowledge sharing within the credit and business teams
• Control the adherence to the service level agreement for internal and external processes where applicable
• Build relationship, with branch based business bankers and relationship managers to improve structured transactions business proposals and turnaround time on draw down
• Attend meetings with and maintain regular contact with Front office/product areas in order to build good working relationships.
• Establish and track closure of waived conditions precedent and subsequent to sanction
• Monitor utilization in excess of credit facilities and assist in managing exposures
• Monitor and control the quality of designated portfolio, using conditions of sanction and other covenants/conditions
• Act on continuous improvement relating to design and continuously improving existing and new business processes.
• Support BCB & PPB Credit Heads to develop new AM & CMU policies, following updating existing policies and identifying and reporting any policy exceptions

Risk, Regulatory, Prudential & Compliance

• Affirm that group governance standards are effectively embedded resulting in clean CRR, Audit & CART findings
• Implement monthly Manco checks and continuous developing of Manco checks inline with emerging risk areas
• Maintain adherence and compliance to all policies, processes and procedures
• Act on the implementation and adoption within Business Banking & Personal & Private Banking account management of all Compliance, Anti-Money Laundering and sanctions related requirements contained in policies, procedures and processes. This includes monitoring and identifying any material compliance related breaches and escalating them to the Compliance Officer
• Maintain the accuracy of the watch lists process to ensure that irregular accounts are identified early and accounts identified as high risk are being managed effectively in terms of agreed action plans
• Check compliance with covenants and escalate breaches to right DNA
• Detect early warning signals impacting the portfolio
• Monitoring early warning triggers and management of escalations matrices (compliance grids, damage control migrations and arrears reports)
• Establish reasons for risk exposure in excess of credit facilities across credit risk systems and taking corrective action (referral and excess management)
• Play a role in supporting BCB & PPB credit risk change agenda

People

• Give clear direction to the activities of the team members, with regular feedback and support
• Facilitate the development of staff and provide opportunities for their growth inability and contribution to the effectiveness of the team.
• Affirm that a proper Business & Commercial Banking & Personal & Private Banking AM Function is in place and addressing the relevant processes pertaining to AM functions.
• Oversee all reports from the AM team prior to onward forwarding to management.
• Ensure that the AM team is effectively staffed and motivated

Client

• Proactively stance on individual portfolio allocation by active level of dialogue with front office/CEMs to ensure risk considerations are part of business strategy.

Data

• Maintain that relevant reports are produced in an accurate and timely manner.
• Daily review of reports and highlighting anomalies within assigned portfolios
• Extract from legal documentation, internal sanction documents, financial and non-financial covenants. Populating and updating conditions of sanction on the compliance grid
• obtain information directly or indirectly from appropriate counter parties necessary to check covenants
• Implement research, analysis and data management from varied sources aimed at pre-empting risks on the credit portfolio.
• Responsible for analysisng AFS & management accounts and other performance information submitted by consumers to track trends and early identification of warning signs and management of that data

Qualifications:

• A Degree in Business Commerce or Finance and Accounting with preferred Post Graduate Degree in either Commerce or Finance and Accounting.
• Other Minimum Qualifications, certifications or professional memberships - Certified Credit Analyst

Experience:

• 5 to 7 years of minimum experience in managing complex accounts with good credit rating.

Key Deliverables

• Adhere to applicable policies, systems, processes and procedures to ensure compliance with all relevant CIB risk, regulatory and business control requirements.
• Build, review and maintain complex financial models to effectively structure Energy and Infrastructure Finance Debt Solutions and the development of base case models and term sheets.
• Conduct initial due diligence on Energy and Infrastructure Finance deals and assist in obtaining buy-in and sign-off from relevant committees (e.g. New Business Approval committee (NBAC), High Risk, Excon, MAC). Review loan agreements, prepare pre-screens and final credit papers / applications for new financing opportunities to ensure compliance with credit approved terms, credit sanctions and CIB risk and regulatory framework.
• Contribute and provide relevant information, data input, and financial reports to team members to support the monitoring and tracking of financial performance.
• Contribute towards realising the desired IB and CIB culture by modelling and displaying appropriate behaviours, collaborating across the business and promoting team work
• Coordinate and collate information for the purpose of tracking metrics (e.g. price benchmarking, liquidity, market and client trends) to support the deal pipeline and grow the IB business. Develop and maintain an up to date file of terms of deals to use as a reference resource.
• Develop and maintain a network of internal stakeholders to optimise the Energy and Infrastructure Finance value proposition across the client experience value chain.
• Develop external networks to generate insights that may lead to new solution ideas, and contribute towards enhanced brand reputation and market opportunities for the assigned client portfolio.
• Develop Lending solution ideas and recommendations to support the content development of proposals, pitch books and other client documentation, ensuring all regulatory aspects are considered and information is articulated in a clear, concise and quality manner for use in client engagements.
• In collaboration with Coverage, lead client engagements and confidently present proposals and pitchbooks for Energy and Infrastructure Finance Debt Solutions.
• Participate in deal negotiations for Energy and Infrastructure Finance Debt Solutions, and when required provide in-depth knowledge and insight on financial models and other relevant data and / or information.
• Post disbursement, work closely with Coverage, Transaction Management Unit (TMU) and other relevant business team to closely track and monitor allocated Energy and Infrastructure Finance deals to identify underperformers and provide support in managing exposure while ensuring ongoing governance and busines performance during the life cycle of the deal.
• Provide on the job guidance to team members to enhance their understanding and application of the Lending value proposition, processes and standards and to enable improved performance.
• Stay abreast of developments and trends in the market, industry and client base by conducting research, developing and / or reviewing insights developed by internal teams to support existing Lending deals end-to-end, and the origination of new Energy and Infrastructure Finance opportunities.
• Working closely with deal teams, lead and manage the end-to-end execution of various workstreams for Energy and Infrastructure Finance deals and coordinate internal and external stakeholders, develop, review and update deal execution timetables and project plans.

Qualifications

Education

• Under Graduate - Business related Degree
• Preferred - Post Graduate - Business Commerce

Work Experience

• 3-4 years - Building complex financial models, and analysing large amounts of data and information to develop and present reports to key stakeholders.
• Working independently and managing concurrent work processes and driving delivery on multiple deals / projects with minimal supervision.
• Understanding of the Lending deal process and life-cycle, with experience in executing deals from cradle to grave.
• Working with and interpreting relevant regulatory frameworks. Ability and experience with reviewing, understanding and interpreting legal documentation to identify any inherent risks
• 5-7 years - Understanding and knowledge of local and global Lending products / solutions to effectively develop and present innovative client solutions particularly within Energy and Infrastructure Finance.
• Effectively coordinating and interacting with professionals, clients and key stakeholders in other lines of business in the delivery of all Debt Solutions.

Job Functions

• Accountable for risk management and adherence to all governance standards for the continued sustainability of the segment in country.
• Accountable for successful delivery of segment client experiences, segment client growth and segment financials.
• Accountable for target state (emotional journey/ experience) the client would experience in taking up the proposition as part solving the client need or opportunity.
• Accountable for the achievement of the segment financial and non-financial metrics (e.g. client attrition, profit growth and return on investment, etc.) in line with CHNW Clients, country requirements and in close collaboration with country, other segment heads and Client Solutions.
• Conduct client sensing in order to improve understanding of client needs.
• Deliver SBG and 3rd party products and services to the Main Market client segment through a client centric platform.
• Demonstrate leader-led direction and behaviours to enable successful transformation of the main market segment into the new business model.
• Develop appropriate recovery and resolution plans to protect the Main Market segment from any untoward event.
• Develop client risk appetite based on the defined framework which is signed off by CHNW, country in conjunction with Risk.
• Drive and entrench a consistent client experience through all engagement platforms.
• Drive multi-product client experiences to address life events, distributed through client engagement platforms.
• Ensure alignment to the People and Culture standards with regards to all employee-related matters.
• Ensure satisfactory audits and ensures that there are no repeat unsatisfactory findings as gauged by operational losses.
• Ensure that remedial actions are defined and implemented in collaboration with country, other segment heads and Client Solutions.
• Ensure the analysis and interpretation of customer data in terms of the problems to be solved and uses the data to shape propositions and solutions.
• Follow the parameters of the key trade off decisions at client level (i.e. risk appetite, pricing etc.).
• Identify current and potential employee skill requirements in consultation with the People and Culture function.
• Implement and monitor risk management across the segment (e.g., operational risk, credit risk, ecosystems risk and partner risk management).
• Implement the client value proposition in country with approved customisations.
• Inspire the team to deliver on the Group’s shared purpose and instilling a culture which enables the Group to evolve into a client led platform organisation.
• Lead and execute the Main Market segment value proposition, related toolbox(es) and client journeys in country and customises accordingly.
• Leverage client analytics and data to inform changes in the value proposition, priorities and building of client relationships.
• Maintain alignment with other segment heads in order to ensure client value proposition delivery and reduction of duplication across segments.
• Partner with Client Solutions, digital and eCommerce and 3rd Party partners and ecosystems for the delivery of integrated multi-products and services for the client.
• Provide input into talent strategy developed by People and Culture.
• Provide input into the overall segment value proposition and related toolbox(es).
• Set the example and lead the team in line with the Group’s leadership identity, core values and People Promise.
• Set the example in line with the Group’s leadership identity, core values and People Promise.
• Stay abreast of market and competitive developments in order to provide input to innovative and value-added services to gain market share.
• Track and report on adoption of the strategy and provides feedback to various domains and capabilities (including at client level).

Qualifications

Minimum Qualifications

• A Bachelors’ Degree in Business/Commerce.

Experience Required

• 10 years Experience in developing, designing and enabling segment value propositions. Strong understanding of digital, open banking and platform integrations.

Responsibilities

• Act as the custodian for optimal ecosystem service delivery within the catchment and facilitates the administration and analysis of the client service surveys, as well as the implementation of focused action plans needed to address the gaps identified in ecosystems across various segments.
• Analyze problems and seeks solutions through council with business stakeholders.
• Collaborate with internal stakeholders to ensure that the province is compliant to all applicable regulatory requirements
• Conduct regular discussions with Credit to ensure process efficiency and quick turnaround for ecosystems clients.
• Co-ordinate sales calls for identified ecosystem opportunities in the CIB / Commercial Banking and CHNW space to generate sales leads for the wider network.
• Define, articulate, track and report on success measures for the Business Clients ecosystem strategy and presents at relevant management forums.
• Develop an ecosystem operational plan in alignment with CVPs in various segments (i.e. Business Clients, CHNW and CIB) for execution through the Business Client segment.
• Develop and implement sales and marketing best practices in support of the customer value proposition and customer expectations.
• Drive and manage the relevant ecosystems forums and provides input into portfolio reports on excess management, revenue and net profit growth relevant to ecosystems on a monthly basis.
• Drive ecosystems sales targets by tracking, measuring and managing performance.
• Facilitate a working partnership between Credit, the business units and Branches to stimulate business growth without compromising risk and the quality of lending.
• Give direction to the provincial teams regarding financial budgets and forecasts in line with strategic objectives, business and operational risk, socio-political and economic market forces.
• Identify strengths and weaknesses in the Business Clients segment to ensure that suitable tactics are implemented to address concerns and maximise strengths through ecosystems.
• Lead the execution of Business Clients strategy plans with regards to ecosystems (in partnership with the segment heads) and drives the operationalisation and implementation of ecosystems.
• Liaise with relevant stakeholders to analyse, identify and address performance challenges and service gaps.
• Manage opportunities by ensuring that adequate joint ventures, synergies and relationships are built with CIB, Wealth, Segment heads to create efficiencies in Business Clients.
• Manage the operational risk for ecosystems within the regulatory and compliance framework of the Bank.
• Monitor and manage (in collaboration with key business partners) SLAs (service level agreements), standards and turnaround times for ecosystems in line with customer value proposition and retention requirements.
• Perform a proactive champion role within the catchment, with relevant stakeholders, to ensure that the customer experience levels are maintained (e.g. facilitating resolution of ecosystem queries and /challenges).
• Provide adequate support for the successful acquisition of generated sales leads to deepen the ecosystem score for CIB and Commercial Banking clients and the Wealth Group.
• Research and analyse the local market to understand key business drivers, influencers and competitor activity in order to use as input into ecosystem operational plans.
• Support the Business Clients team to resolve escalated customer complaints as it relates to ecosystems.
• Track the achievement of sector financial targets through ecosystems and reports on indicators such as, revenue, ROEs and shares a monthly report with the segment heads.
• Use MIS to identify and make recommendations related to ecosystem operational plans.
• Work with the MI team to develop measures specific to tracking ecosystems activities and penetration and conducts research in order to provide inputs and insights into ecosystem strategy and execution plans.
• Work with the MI team to develop, implement and manage measurement systems to ensure an efficient and accurate MIS structure that enables insights for developing ecosystem strategies and plans.

Qualifications

• Bachelor's degree Business/Commerce or Finance and Accounting
• 5-7 years Experience in general banking and relationship management experience. Experience within Business Clients, Value Chain or Transaction Banking within the commercial business

Job Functions

• Act as a primary point of contact for client requests, queries and complaints for own portfolio and support of SBGS’ customer channels (including Stanbic Bank Kenya Limited, third-party agents of SBGS and digital channels). Act as a SME and assist in the resolution of more complex problems.
• Act as a single point of contact for the provision of prompt, accurate and consistent service to low, medium and high touch SBGS clients, to enable seamless service delivery and a consistent client experience.
• Adhere to SBGS’ risk policies, procedures, documentation and authorisation limits corresponding to relevant platforms, in order to ensure compliance with SBGS’s risk and regulatory frameworks.
• Analyse and monitor key indicators that add value to a client’s experience to identify trends of overall team and client performance against set targets and objectives.
• Analyse daily activity across channels to identify trends and opportunities to adjust spreads and manage pricing in collaboration with the data team to optimise flows and revenue across digital sales business. Promote the use of self-service tools with clients to achieve digital targets.
• Assist with the preparation of client insights reports timeously and accurately, as per requirements, policies and quality standards to enable better decision making.
• Collect and analyse client feedback and develop timely management reports to ensure that client needs and profitability targets are met.
• Conduct platform reviews, analyse platform penetration and year-on-year revenue and turnover variances to provide information to support team members to manage client retention.
• Contribute to monitoring financial performance against budgets and provide input into expenditure and variance reporting.
• Coordinate and organise the collection of all necessary onboarding documentation and ensure the acquisition of the required approvals in order to process sales in a timely manner within the approved policies and guidelines.
• Follow all applicable processes, procedures and working instructions, so that work is carried out in a controlled and consistent manner and all relevant procedural / legislative requirements are fulfilled while delivering a quality, cost-effective service, and while mitigating operational and reputational risk.
• Identify and assess cross-sell opportunities to notify the relevant stakeholders to capitalise on the opportunity.
• Identify and escalate innovation and improvement opportunities from internal and external sources to improve client experience.
• Identify and escalate reoccurring client incidents and recommend opportunities to improve client service delivery. Participate in the implementation of actions to improve client service levels.
• Identify and recommend opportunities that contribute towards the ongoing management and improvement of the platform(s) and platform tools to enable clients to connect across the ecosystem to access and consume products and services with speed and security.
• Identify and record behavioural client insights to recommend product and platform enhancements, to assist sales and product teams in identifying client opportunities through client experience and identify continuous client friction points in maintaining client experience.
• Identify cross-sell opportunities and notify the relevant stakeholders to ensure the opportunity is capitalised upon and the client request is addressed.
• Inform Team Lead of all risk incidents and log incident reports to ensure that proper corrective and preventative actions are put in place. Escalate any irregularities to Team Leader / Line Manager and or Compliance Risk Officer as appropriate.
• Maintain and grow client relationships for own portfolio and build a foundation of trust by demonstrating in-depth knowledge of the market related to competitors, products and services, to better advise clients on the best suited platforms.
• Maintain awareness of anticipated costs and revenue and recommend actions to address unsatisfactory performance.
• Maintain up to date knowledge of various SBGS platforms and products, including their capabilities, functionality and their application. Use this knowledge to accurately and effectively onboard, train and manage clients’ experience.
• Monitor and analyse key indicators that add value to the client’s experience to generate relevant information and insights to inform product and platform enhancements as well as continuous improvement in CE service delivery.
• Monitor and report on business performance metrics, conduct platform reviews, analyse platform penetration and turnover variances, to manage client retention.
• Offer remote training to low, medium and high touch clients on the use and application of different products and platforms, including platform navigation and enhancements, to optimise CE and maximise platform utilisation, in line with defined KPIs.
• Own, build and maintain an ongoing relationship with clients and interface with sales, product and digital teams on a regular basis to understand low, medium and high touch client needs and requirements and ensure consistent delivery against Service Level Agreements (SLAs) with Sales, Product and SBGS digital teams.
• Partner with SBGS Digital to obtain alignment and approvals from relevant stakeholders for incremental platform enhancements in line with SBGS digital strategy and regulatory standards.
• Provide input into the development of CE educational materials, based on insights gained from client engagements.
• Provide input into the development of CE marketing and content distribution, based on insights gained from client engagements across segments and marketing channels, products, services and platforms.
• Provide input into the development of Client Experience Roadmap and annual Plans to achieve the SBGS annual objectives.
• Provide training and on the job guidance to new team members to build capability and enhance skills to perform day-to-day duties.
• Receive and log sales incidents (i.e. requests, inquiries and complaints) from Team Lead, Clients and / or other internal stakeholders and resolve incidents through the correct channels as per standard operating procedures (SOPs).
• Receive instructions to amend and execute transactions across different SBGS platforms on behalf of clients. Follow the required standard operating procedure (SOP) to acquire approvals to execute the transaction in a timely manner and within approved policies and guidelines.
• Support the achievement of strategic objectives, to grow the Global Markets business, optimise platform utilisation and deliver a superior client experience to optimise SBGS revenue.
• Troubleshoot and investigate the root cause of client incidents to provide clients with the necessary resolution (e.g. training, navigation support or product information). Where required, direct incidents to the correct channel for resolution, as per standard operating procedures (SOPs).
• Understand the implications of technological changes to the client experience.

Qualifications

Minimum Qualifications

• A Bachelors’ Degree in Finance, Actuarial Science, Business/Commerce, Economics or a relevant field of study

Professional Certifications:

• Chartered Institute for Securities & Investment (CISI), and Institute of Certified Investment and Financial Analysts (ICIFA) certifications

Experience Required

Macro Generic

Global Markets Client Experience

• 1-2 years
• Strong knowledge of relevant asset classes, products and services, client sectors, market trends and competitor awareness in the region, in addition to the risk and regulatory environment. Deep understanding in specialist area.
• 3-4 years
• Good knowledge and experience of digital transformation and CRM platforms and capabilities along with working insights within the technology environment, with domain expertise from a channel and platform perspective. Good understanding of products and channel capabilities within Financial Services, acquired through experience in a client facing role such as in Operations, Services or Client Experience.

Key Responsibilities

Maintain a strong control environment

• Assess the effectiveness of financial controls throughout the group and advise/escalate where there is misalignment by ensuring adherence to policies and controls and reviewing and testing the internal financial controls processes by performing sample tests on some IFC controls to check if they are operating as per framework
• Own the design, implementation, documentation, assessment, and monitoring of internal control framework, including group policies and key risks in order to ensure that the group has adequate controls to prevent unintentional and intentional errors in financial reporting, processes and business operations.
• Deliver adequate and timely reporting on the internal control framework and control deficiencies to ensure appropriate communication, documentation, escalation to business partners, senior leadership, and relevant governance body
• Deliver adequate and timely action plans and monitor progress to address and resolve control deficiencies
• Work collaboratively with business and process owners to implement and monitor remediation efforts that result from internal control assessments, ensuring the effective implementation of corrective action.
• Actively seek standardization and automation, apply, and implement best practices for managing internal controls and deploy innovative technology where possible to enhance and continuously improve the design and operating effectiveness of the controls, documentation, assessment, and review procedures
• Formulate policies and procedures to improve internal controls, compliance, and efficiency

Support financial management

• Accountable for transactional financial data and information integrity through gathering, analysing, interpreting, and reporting of financial information.
• Review transactional financial data and information integrity to ensure they accurately reflect the operating results of the business.
• Analyse and interpret data in order to provide financial management information to business stakeholders for decision making.
• Prepare and process accounting journals and verify that supporting documentation to journals is available.
• Analyse and motivate for approval expenditure and in line with supporting documentation. Identify deviations from policy and escalate to finance manager.

Monitor risk and ensure compliance

• Enforce the group guidelines and policies around financial management and financial control.
• Ensure that all risk issues are managed properly, and incidents are reported timeously with all relevant stakeholders.
• Partner and comply with relevant risk and compliance regulatory frameworks for all finance activities.
• Ensure reputation and business risk is managed.
• Ensure that mandatory compliance training in finance is driven effectively.
• Drive balance sheet substantiation of all balance sheet accounts.
• Provide technical accounting support for finance and business units
• Spearhead preparation of the annual financial statements
• Provide leadership financial audits in the group

Be a trusted advisor to the business

• Support the business finance teams in creating a finance partnership.
• Obtain an understanding of the business environment and processes which are being supported in order to add value and allow for appropriate decision making to occur.
• Provide assistance in the gathering of financial and non-financial information to support the relevant finance line manager.

Direct, monitor, manage and support the team in delivering on agreed performance and strategic goals

• Manage stakeholder expectations proactively and appropriately
• Participate in departmental goal.
• Proactively drive own development plans.
• Monitor and support the team in delivering agreed performance goals through collaboration.

Qualifications

Minimum Qualifications

Type of Qualification: First Degree

Field of Study: Finance and Accounting

• Other qualifications - Recognized professional certification (CPA (K)/ACCA/CIFA).

Experience Required

Financial/Statutory Accounting

• Finance & Value Management
• 3-4 years
• Financial or Management Accounting experience.

Key Responsibilities

Development and implementation of BCB credit risk strategy and framework

• Develops and drives the BCB credit risk management framework which includes the risk management strategy, structure, processes, culture and technological infrastructure and translate strategic intent and vision into medium term objectives.
• Contributes to the development and improvement of the bank wide credit risk management strategy and framework by providing key insights on the factors that influence the risk profile. Act as a signatory on the final framework relating to BCB credit.
• Provides direction to the BCB credit team and sub-business lines in order to achieve the credit risk management strategy.
• Ensures effective execution of the BCB credit risk strategy and framework, aligned to then BCB business specific requirements and direction from BCB RoA centre, in line with the risk appetite statement and group policy.
• Critically evaluates the existing framework on an ongoing basis for relevance in line with emerging country risks and threats.
• Owns and drives the process of embedding the BCB credit risk frameworks throughout the business area by regularly engaging with all levels of leadership and management to help them understand the benefits of looking at their worlds through a credit risk management lens.
• Continuously evaluates the external environment and assesses the impact on the area's activities. Where required, discuss any changes which will result in an overall strategic impact with the Head of BCB and sub-business unit Heads and, thereafter make the agreed amendments to plans.
• Delivers a professional advice on risk pricing, risk management matters, including where appropriate the timely involvement of external specialists.
• Delivers high standards of credit quality for high-risk cases through the application of best practices to credit proposals.
• Challenges pricing in order to maximise value, and ensure a commercial balance between risk and Reward.
• Applies impairment policy, where appropriate, to ensure Impairments are raised or released in a timely and appropriate fashion. Ensure accurate and timely forecasting of impairments.

Measures:

• Approved BCB credit strategy and successful execution thereof
• Adherence to applicable policies
• Stakeholder feedback

Management of credit risk in line with risk management framework

• 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.
• Implements credit procedures by maintaining a tight control over all aspects of advance administration to contain credit risk within acceptable parameters and ensuring that all risk and statutory returns and reports are produced in an accurate and timely manner.
• Ensures all identified credit control events and 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 entire credit chain.
• Actively monitors appropriate metrics across the credit life-cycle to ensure that the origination, evaluation, credit risk monitoring and rehabilitation and recoveries functions meet the highest standards in accordance with laid down policies and procedures and to guide and coach the respective teams on the best credit practices.

Measures:

• Minimised losses within budget.
• Decisions taken within agreed SLAs with business.
• Effective second line of defence as confirmed by credit risk Reviews.
• Internal stakeholders’ customer satisfaction survey rating.

Optimise the business unit's risk profile and risk appetite

• Sets and monitors the new business strategy within the agreed business unit’s growth and risk appetite objectives.
• Oversees the development of origination policies and the execution thereof.
• Develops and oversees the implementation of collections and recoveries strategies.
• Manages and reviews existing account management strategies.
• Drives in-depth analysis of customer value tests, campaign analysis, response propensity models, collections and bad debt performance etc.
• Detects and evaluates shifts or changes in key risk parameters and evaluates the implications of such changes on continued banking relationships.
• Reviews and sets appropriate BCB risk Appetite metrics with Business.
• Monitors and assesses portfolio performance metrics against risk Assessment triggers.
• Reviews and assesses credit criteria against portfolio performance.
• Delivers robust, transparent and predictable credit losses within an agreed total cost (‘budget’) and ‘cost of credit’ framework.
• Devises and implements a range of champion / challenger strategies to continually test and learn to reach the optimum set of tactics to generate value.
• Provides input into risk-based pricing and ensures that profit and ROE include appropriate credit risk and cost inputs.
• Devises and implements a range of champion / challenger strategies to continually test and learn to reach the optimum set of tactics to generate value.

Measures:

• Risk appetite document in place.
• Clear evidence of ongoing monitoring of risk Appetite.
• Clear remedial action taken to address breaches.

Governance, risk and compliance management within the clearly defined requirements.

• Interprets the BCB ROA strategy and derives/builds the in-country framework.
• Ensures compliance with country adopted standards, policies, mandates and procedures governing activities within the credit space.
• Actively chairs and 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.
• Attends the Country BCB Leadership council (always) and the Country Main Leadership council (sometimes) in order to represent BCB credit on all credit matters.

Measures:

• Satisfactory ratings from all internal and external audit and similar functions
• Satisfactory capabilities assessment and review from Head Office (CART reviews)
• Policies and procedures are adhered to.

Management and reporting of the BCB credit portfolio

• Accountable for determining the tasks, selecting the resources needed for the successful implementation of business (Credit) related projects.
• Ensures that all project personnel receive an appropriate orientation on the project.
• Monitors the progress of the project and make adjustments as necessary to ensure the successful completion of the project.
• Ensures that the project deliverables are on time, within budget and at the required level of quality.
• Derives the full cost of credit for the BCB credit function and puts in place cost containment measures.
• 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.
• Produces reports on the portfolio performance on a regular basis as per business requirements. Ensure reports are on the level suitable to the audience.
• Identifies and analyses portfolio risks proactively; and forecasts the credit loss provision and engage with business accordingly.
• Manages the internal and external audit interactions.

Measures:

• Implementation of credit projects within set timelines to achieve defined business outcomes.
• Cost of credit target not exceeded.
• Accurate and Timeous reporting at all times.

Stakeholder engagement and efficient cost management

• Manages costs within agreed budgets for the BCB credit Department.
• Build and maintain credible relationships with internal and external stakeholders, including management, internal and external audit, non-executives, regulator as well as peers in local and international banks.
• Manage relationships in a complex matrix structure, across a multi-disciplinary environment with cross functional stakeholders at all levels of the origination.

Measures:

• Capex and Opex budgets not to be exceeded.
• Favourable stakeholder feedback within agreed benchmarks.

Qualifications

Education

• First Degree Qualification: BCom, Business Finance, Engineering, Risk Management, Business Administration.
• Post graduate qualification Mathematics, Business Finance, Financial Accounting, Accounting, Financial Management Science, and Mathematics.

Other Qualifications

• Professional Qualification CA, CFA, CIMA, ACCSI, Honour’s Degree in Business Finance,
• Accounting, Business related program

Experience

• 10 years’ experience, including 2-5 years as a credit operations or portfolio manager in high-volume Retail Credit. Prior experience with credit workflow management tools and automated decisioning technology essential.
• An in-depth experience in BCB credit risk Management and Originating deals and building and maintaining internal stakeholder relationships with the aim of driving Business Strategy.

Job Purpose:

• Provide specialist product agnostic investment support and execution to clients and frontline teams to meet Clients’ investment objectives and feedback to ensure provision of best solution.
• Liaise with product specialists across a range of investment asset classes to discuss client requirements and feedback to ensure provision of best solutions.
• Provide portfolio analysis and liaise with Clients on own portfolio to feedback on portfolio performance and seek opportunity to cross sell and deepen wallet share.

Key Responsibilities

The role will entail the following deliverables and key competencies: -

• Provide a consistently high quality overall operational service to the WI SBG team and WI customers: -
• Timely communication with investment clients and internal stakeholders.
• Provide end to end support for the investments function including the placing, monitoring of orders and settlement of trades in the fixed income and equity market.
• To ensure growth in company revenue by providing responsive, proactive and efficient services to existing and potential clients to grow market share in the securities industry.
• Leverage the group’s reach, capabilities, and expertise to add value to both the customer and the Wealth and Investment business
• Timely processing of documents; CDS and Account opening, KYC, payments, and statement/confirmation requests etc.
• Ensure strict compliance with laid-down risk management controls and processes.
• To develop, maintain and build strong long-standing relationships with existing and potential Wealth and Investment Clients and other stakeholders.
• Maintaining a high level of integrity and ethical standards commensurate with the requirements of market best-practice.
• Compile Data reports and assist with preparation for internal and external presentations.
• Responsible for the implementation and adoption (within Branch, Department or Section) of all Compliance, Anti-Money Laundering and Sanctions related requirements contained in policies, procedures and processes. This includes the consideration and approval of PEP on-boarding and continued business engagement in instances where no adverse information is available.
• Ensure incident reporting is done in a timely manner.
• Ensure queries raised are responded to and resolved as per SLA.

SBG SECURITIES

• Maintaining communication between SBG Securities customers and Operations Teams - in terms of giving updates, maintenance, and compliance duties and responsibilities under the unit.
• Support the SBG sales function by ensuring operational continuity.
• Understanding of the overall risks associated with the CDSC and payment operations and ensuring there are sufficient and effective controls to manage these risks. Understanding the rules and regulations as set out by CDSC Ltd and ensuring adherence.
• Providing a readily available, service-focused, knowledgeable and experienced point of contact for clients for all CDS Operations.
• Assist with the SBGs client onboarding process including with preparation of business acceptance documentation
• Attending client meetings to represent SBG securities and assisting with meeting actions, minutes and related deliverables.
• Monitor news flow relating to companies. Provide on-going feedback to investment team.
• Establish and maintain relationships with other market players mainly licensed members of the NSE, custodians and fund managers
• Ensure that KYC requirements are met for all customers.
• Educate clients on existing company policies and procedures as well as basic introduction to the stock market and how it operates.

Key skills knowledge and experience:

• 10 years plus of operational/Sales / Portfolio Management / Investment Advisory experience in a securities business or other financial intermediary.
• A Degree holder from a recognized University (min – 2nd class upper or equivalent).
• A Master’s degree and ATS/CISI certification will be an added advantage.
• 5 years plus banking experience, preferably dealing with high net-worth individuals in a portfolio context.
• Experience in upholding the highest levels of service.

Purpose of the Job

Ensure that the Bank’s need to provide adequate controls over the risks encountered in the pre- and post-credit granting stage of the credit process are satisfied by verifying key documents and maintaining tight control over physical stock counts, warehousing inspection, and monitoring key distributors in line with approved parameters.

Key Responsibilities

• Undertake a comprehensive and robust monitoring, stock count and other activities of customers related to CMU in line with approved sanction and various distributorship schemes.
• Undertake periodic and ad-hoc visits / spot checks to review clients’ operations and provide a comprehensive status report as stated in approved sanctions, which must include identification of potential structural weakness in clients’ operations.
• Liaise with external agents, e.g., warehousing/collateral agents etc. on behalf of the Bank and act as a checker on their activities in line with executed service agreements. Reports will be duly provided for such activities.
• Provide guidance and input in applications requiring monitoring from CMU prior to submission to Credit while simultaneously proceeding with validation of information and documentation provided by the customer.
• Ensure CMU SharePoint is updated with relevant reports and documentation as required by centre.
• Track collections from key distributors under the various approved schemes to forestall any possible diversion of sales proceeds.
• Authorisation of funds transfer from collection accounts to client’s current accounts.
• Review account performance vis-a-vis terms and conditions of approval and ensure strict adherence.
• Verify documents and information in day-to-day work as delegated by Account Management or Credit Evaluation in line with approved turnaround time.
• Diarize and follow up on conditions of sanction/covenants as relates to the CMU function.
• Refer/escalate / flag up problematic or irregular accounts (inappropriate payment patterns, failure to meet specific covenants etc.) to Credit Evaluation and Account Management for inclusion in monthly watch list.
• Maintain a proper monitoring system and ensure that the data set is complete and accurate.
• Design reports that address the tracking and measurement of agreed account performance criteria.
• Co-ordinate monthly transaction status report to Management.
• Confirmation of invoices and contracts being financed under Invoice Discounting and Contract Financing.
• Review and approve Trade Loan Facilities submitted for drawdown.
• Manage debtors and creditors in need where the bank has carried out Contract Financing.
• Establish and maintain close working relationships with internal and external service providers.
• Ensure adherence and compliance to all policies, processes, and procedures.
• Any other roles or tasks to be assigned by Head, Account Management & Collateral.

Knowledge

• B.Com or Business-related degree. Additional qualifications will be an added advantage.
• Sound knowledge and understanding of credit criteria, credit policies, risk and financial analysis, credit control and the application thereof
• Thorough working knowledge of the operating system and its related procedures, for analyzing the account behavior of clients.
• Thorough understanding of all the bank’s product and facilities that give rise to counterparty credit risk.
• Understanding terms of the facilities and any conditions and covenants that will need to be complied with over the duration of the facility’s life.
• Understanding of the bank’s systems, policies, and procedures to optimally draw on the available information to manage and control the post-credit granting processes.

Experience

• Minimum of 5 years’ experience in a banking environment preferably with a risk management background.