Senior Manager Credit Evaluation Employment Opportunity – Stanbic Bank

Job Title:          Senior Manager Credit Evaluation
Organisation: Stanbic Bank
Duty Station: Kampala,
Uganda
Job ID: 27713
About US:
Stanbic Bank Uganda Limited is a subsidiary of Stanbic Africa Holdings
Limited which is in turn owned by Standard Bank Group Limited (“the Group”),
Africa’s leading banking and financial services group. The Standard Bank Group
is the leading banking group focused on emerging markets. It is the largest
African banking group ranked by assets and earnings. Stanbic Bank Uganda
Limited is the largest bank in Uganda by assets and market capitalization. It
offers a full range of banking services through two business units; Personal
and Business Banking (PBB), and Corporate and Investment Banking (CIB).
Job Summary: The Senior
Manager Credit Evaluation will assist Personal and Business Banking in
achieving their asset growth targets by providing effective value adding risk
management, whilst maintaining a quality-lending book, through judicious and
effective management thereof.  The
incumbent will be delivering of a professional service to the business units,
by assessing and evaluating credit facilities (new and/or existing) based on
sound credit & financial principles which supports the minimising of risk
to the bank.
Key Duties and
Responsibilities:  
Loan Assessment and Approval:
·        
Assess the financial status of a customer or
client to determine if they qualify for a loan based on established parameters
and criteria.
·        
Evaluates whether proposals meet sound business
criteria and credit risk falls within acceptable parameters, approve and
recommends appropriate credit facilities including terms or conditions of
facilities.
·        
Identifies, quantifies and evaluates sources of
risk in relation to profitability of business proposals and financial viability
of Retail clients as a whole, interrogates/probes.
Asset Based Lending
·        
Knowledge and understanding of the risks and
processes associated with lending using movable assets as security for loans.
·        
Utilizes Industry risk analysis available to
identify and understand contextual threats to existing and potential clients.
 Debt Consolidation
·        
Knowledge and application of the requirements
for loan restructuring, amendments to terms and conditions and the calculation
of new repayment amounts.
·        
Review and assess credit criteria against
portfolio performance.
·        
Management of actions on the watch list process
Operating cash flow analysis
·        
Understanding of the elements of a lender’s cash
flow and how it will impact the lender’s ability to repay the loans granted.
·        
Regular interaction with credit administration
in discussing strategy & action plans to manage irregular accounts and
accounts on damage control reports.
·        
Ensure timely and quality credit assessment and
decision are made.
Financial statement analysis: Review balance sheets, income
statements, cash flow statements and tax returns to determine the credit risk
of the client.
Evaluating Risk Management Effectiveness
·        
The ability to determine if risk management and
control measures are achieving the desired results and mitigating risks at the
expected level.
·        
Use watch lists in conjunction with the credit
administration to ensure that accounts identified as being high risk are being
managed effectively in terms of agreed action plans.
 Risk/ Reward Thinking:
·        
The ability to provide due consideration to
risks, rewards and the cost of control measures in evaluating business
opportunities, process and system changes.
·        
Detects and evaluate shifts or changes in key
risk parameters and evaluate the implications of such changes on continued
banking relationship.
·        
Actively hind sighting lending decisions to
ensure that correct procedure are being followed in the approval of facilities,
which will prevent new NPL’s.
Operating cash flow analysis:
·        
Understanding of the elements of a lender’s cash
flow and how it will impact the lender’s ability to repay the loans granted.
·        
Regular interaction with credit administration
in discussing strategy & action plans to manage irregular accounts and
accounts on damage control reports.
·        
Ensure timely and quality credit assessment and
decision are made.



Qualifications, Skills and
Experience:
·        
The ideal candidate for the Stanbic Bank Senior
Manager Credit Evaluation job opportunity should hold a Degree in Commerce or a
related field
·        
Masters in Finance or a related field is an
added advantage
·        
Professional Banking qualification,
·        
Credit / Risk related professional
qualifications; or
·        
CA, CPA, ACCA, CIMA, CFA
·        
A minimum of two to four years of experience and
application of extensive credit management, preferably in a Corporate and
Investment Banking environment
·        
Good track record of operating in a wholesale
business environment or a proven ability to understand holistic business,
pricing and capital management issues, with exposure to credit derivatives and
structured products environment a strong advantage.
·        
Comprehensive knowledge and understanding of
advances, credit criteria, credit policies, risk and financial analysis, credit
control and the application thereof
·        
Broad understanding of business practices, the
Bank’s products / forms of security and marketing
·        
Sound understanding of various Industry Sectors
·        
Sound knowledge in subjects such as commercial law,
accounting, economics and marketing
·        
Knowledge of sources of information
How to Apply:
All candidates who wish to join the one of Africa’s biggest Banking
Groups, Stanbic Bank in the aforementioned capacity are encouraged to Apply
Online by visiting Link below.
Deadline: 12th
October 2017

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