Job Title: Team Lead – Loan Booking Unit
Job ID: 12865
Location: Nigeria
Division: Group Risk Management
Position Category: Credit
Employment Type : Full Time - Permanent
Shift: No
Regulatory Approval: Yes
Post Closing Date: JulY 8, 2015
Position Description
Job purpose
• To carry out credit procedures, maintain a tight control
over all aspects of advance administration, with the primary objective to
contain credit risk within acceptable parameters by ensuring accurate and
timely booking of all Business Banking deals while ensuring compliance with all
conditions as stipulated in the sanction.
• Ensure consistent service delivery, meeting the needs of
both existing and new business clients
Key responsibilities
• Review conditions precedent checklist to approve for draw down of all Personal Banking facilities
once satisfied that all terms and conditions of sanction/covenants have been
met and all required collateral have been obtained and are in legal order
• Ensure the Covenant tracker is updated with all covenants
as stated on the sanction document by the CEM before signing off for
disbursement.
• Ensure proper follow-up on deferrals items to ensure same
are regularized within the stipulated time frame and escalate deviations to
Team Lead BB CRM for inclusion in the watch-list report.
• Authorize disbursement of all Personal Banking deals on
the Core Banking software.
• Ensure CBN CRMS reporting on all customers with a
cumulative exposure of N1 million
• Ensure PAS take-up of all UPLs, VAF and Home loans deal
• Ensure that Credit files are kept in perfect order in line
with the CBN’s basic Credit Files requirement.
• Ensure take up and actioning of issues raised on Remedy
with respect to personal loans.
• Ensure unverified record exception report is spooled on
Cognos daily and loan repayment exception report spooled weekly.
• Responding to queries and resolving issues pertaining to
limits loaded on both the Core Banking software and HP&L
• Ensure proper coordination of the team to achieve its
objectives
• Any other responsibility assigned by the Unit Head.
Key performance measures
• Risk Management
• Maintain a high quality-lending book, through the
judicious and effective management thereof.
• Customer service / performance measurement
• Add value to PBB Banking by delivering a prompt, efficient
and professional risk management service.
Full job details
Division Proposition
Effective risk management is fundamental to the business
activities of the Standard Bank Group (group). While we remain committed to
increasing shareholder value by developing and growing our business within our
broad determined risk appetite, we are
mindful of achieving this objective in line with the interests of all
stakeholders.
Position Description
Job purpose
• To carry out credit procedures, maintain a tight control
over all aspects of advance administration, with the primary objective to
contain credit risk within acceptable parameters by ensuring accurate and
timely booking of all Business Banking deals while ensuring compliance with all
conditions as stipulated in the sanction.
• Ensure consistent service delivery, meeting the needs of
both existing and new business clients
Key responsibilities
• Review conditions precedent checklist to approve for draw down of all Personal Banking facilities
once satisfied that all terms and conditions of sanction/covenants have been
met and all required collateral have been obtained and are in legal order
• Ensure the Covenant tracker is updated with all covenants
as stated on the sanction document by the CEM before signing off for
disbursement.
• Ensure proper follow-up on deferrals items to ensure same
are regularized within the stipulated time frame and escalate deviations to
Team Lead BB CRM for inclusion in the watch-list report.
• Authorize disbursement of all Personal Banking deals on
the Core Banking software.
• Ensure CBN CRMS reporting on all customers with a
cumulative exposure of N1 million
• Ensure PAS take-up of all UPLs, VAF and Home loans deal
• Ensure that Credit files are kept in perfect order in line
with the CBN’s basic Credit Files requirement.
• Ensure take up and actioning of issues raised on Remedy
with respect to personal loans.
• Ensure unverified record exception report is spooled on
Cognos daily and loan repayment exception report spooled weekly.
• Responding to queries and resolving issues pertaining to
limits loaded on both the Core Banking software and HP&L
• Ensure proper coordination of the team to achieve its
objectives
• Any other responsibility assigned by the Unit Head.
Required Skills and
Qualifications
Qualifications
• B.Sc in any discipline
• Professional qualification such as ICAN, ACCA or Masters
will be an added advantage
Experience
•Minimum banking experience of 5 years, out of which a
minimum of three years must be in credit risk management role.
• Analytical with a tolerance for high volumes and problem
absorption whilst detailed oriented.
Required Competencies
Technical competencies
• The technical skills required for the role will include
computer literacy, particularly with Microsoft, Word, Excel and Power Point.
Personal competencies
The candidate should as a minimum have the following traits
/ abilities and personal characteristics:
• Strong interest in Real Estate,
• Good presentation skills,
• Good verbal communication,
• Ability to work under pressure and to tight deadlines,
• Attention to detail,
• Good numeric and analytical skills,
• Ability to handle multiple tasks,
• Result-orientated,
• Effective team player, and
• Highly motivated and energetic
We are an equal opportunities employer and are totally
opposed to discrimination in any form. It is our policy to provide equal
employment opportunities for all employees regardless of race, sex, colour,
nationality, national or ethnic origin, sexual orientation, marital /
partnership status, religion, age or disability.
TO APPLY, VISIT: http://corporateandinvestment.standardbank.co.za/pages/careers_rms/nigeria/jobs.html
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