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Details de l'offre

Détails de l'emploi

  • Lieu de travail ABIDJAN
  • Reference PRES-38868-06-2024
  • Nombre de poste 1
  • Date de clôture 27/06/2024
  • Diplôme MASTER 2
  • Type de contrat CDD
  • Expérience professionnelle Plus de 5 ans d'expérience dans le secteur bancaire. Expérience fonctionnelle dans la gestion des risques de crédit en banque d'entreprise.
  • Niveau d'études BAC+5
  • Sexe MASCULIN   FEMININ  

SENIOR CREDIT MANAGER

  • CDD
  • Date de clôture: 27/06/2024
  • ABIDJAN

IMPORTANT: Les CV et lettres de motivation doivent être soumis via https://jobs.standardchartered.com/job-invite/2934/ au plus tard le 27 juin 2024.







 JOB TITLE   SENIOR CREDIT MANAGER
JOB PURPOSE Participate and support SCO in optimisation of usage of available capital resources and the creation of a desired portfolio risk profile through the application, in conjunction with the business, of Portfolio Standards and Risk Appetite principles..
KEY RESPONSIBILITIES
Portfolio Management
• Assist with the formulation of annual Risk Appetite and Portfolio Standards in through joint sponsorship with the business.
• Influence and monitor through use of Risk MI the shape and composition of the portfolio against approved Standards and escalate breaches with recommendations for remedial action.
• To proactively manage the portfolio and improve the quality of the book by growing in acceptable sectors/client segments with top quartile names, acceptable credit grade and risk/reward profile in line with business strategy.
• To continuously monitor the portfolio through Leading Indicators, 80/20 and other Tail Management initiatives so as to manage down slackening sectors/ individual names.
• To analyse the portfolio on an ongoing basis to identify exposure/ industry concentration and undertake remedial measures to rebalance the same by preparing the monthly Portfolio Standard Tracker and reporting the breaches.
• To monitor and identify signs of deterioration on individual names with a view to commence early remedial management of these accounts and thereby minimise loan losses thus directly contributing to bottom line.

Governance
• Prepare monthly reports such as Portfolio Standard Tracker.
• Regularly review audit and CRR reports / KCIs & CSTs and identify key trends.
• Prepare all the inputs required from Credit Risk to assist the CCRO office.
• Prepare To stress test the respective country portfolios as appropriate to manage downside risks.
• Produce data and analysis/commentary for the Risk Information Report (“RIR”).
• Maintain vigilance over data quality and drive ongoing improvement.
• Support CRC by Monitoring and reviewing the daily excess reports / CMS report (for documentation deficiencies) / monthly RB reports
• Ensure timely submission of various Credit Risk reports to Finance and Compliance for Regulatory Reporting to the respective Central Banks.
• Ensure timely submission of data to region on EAR updates, Local and Group Credit Policy Breaches

 KNOWLEDGE/EXPERIENCE      
Credit Process Management
• Ensuring that the quality of Credit Applications meets Group standards, particularly with regard to the completeness and depth of risk analysis.
• Approving of Credit Applications falling within own discretion and support of applications, which require approval outside the territory.
• Attending the local Credit Issues Committees for respective countries to review credit related issues.
• To instil a strong credit culture and provide leadership to RM’s.
• Assisting relationship managers in identification and managing up or out of accounts exhibiting signs of deterioration and assisting Special Assets Management, where appropriate, in managing substandard accounts to maximise recoveries and minimise losses.
• Discuss with business and approve daily transaction
• Support credit request (Transactions / BCAs / Waivers) to SCO / CCO

Training
• Attend all credit trainings and mandatory role specific certifications.
Regulatory and Compliance Management
• Provide all data required for audit purpose.
• Liaise with internal, external and Apex Bank examiners/auditors for the provision of information and discussions on portfolio quality and management issues as and when required.
Strategy
Support the Chief Credit Officer / Senior Credit Officer in planning the development of risk parameters for Cote’ D’Ivoire according to Risk Appetite and Policy Frameworks and documents in the relevant Portfolio Guidelines/Risk Appetite Mandates.
Qualifications
  • 5+ years’ experience in banking. Functional experience in Corporate Banking Credit Risk Management.
  • MBA /ACA/ACCA/CFA with experience in treasury/relationship management/consultancy and risk management is preferrable.
  • Good communication skills – written and oral French and English.
  • Good knowledge and grasp of banking practice, financial markets, Basel II and ICAAP, risk appetite, and portfolio management techniques.
  • Hands on knowledge of the regulatory frameworks within the region.
  • Strong analytical skills and ability to influence and resolve disputes. Enjoy decision making and have sense of ownership.
  • Multi-cultural awareness and sensitivity.
  • Command respect of cross functional peers and business heads working in open ended situations.
  • Good working relations with Regulators
 
Resume and cover letters to be submitted via  https://jobs.standardchartered.com/job-invite/2934/ no later by 27th June 2024






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