Jobs at Robert Walters

Job Purpose

• The main purpose of the role is to support the Senior Manager, Monitoring & Evaluation in the delivery of a robust Credit Quality Assurance programme that ensures sound quality in the credit portfolio through effective credit portfolio management, review of credit processes and related developments, while ensuring compliance with policies and approval terms and conditions throughout the life of credit facilities.
• This Unit focuses on conducting monitoring and evaluation procedures provided for under the RMPPs, formulating and implementing corrective action plans, providing an early warning indicator, and bringing to management's attention any notable adverse credit developments, thus allowing for timely remedial action to be taken by the Credit Quality Assurance Department (CQAS) or other relevant departments.

Responsibilities
Credit Quality Monitoring:

• Monitor risk assets (including related covenants and triggers) using early warning signals to identify credit facilities with significant increase in credit risk and, promptly initiate remedial actions.
• Undertake timely and necessary actions to minimize credit losses in liaison with relevant internal and external stakeholders.
• Perform ongoing assessment and monitoring of the Bank’s risk asset portfolio to ensure alignment with post disbursement conditions of credit facilities.
• Monitor transactions’ dynamics and performance of all risk assets in line with credit risk management policy and procedural manual.
• Make recommendations on appropriate actions to and seek approvals from Executive Management regarding credit facilities’ remedial actions.
• Initiate the process of reclassification and declassification of credit facilities as may be necessary and appropriate.
• Ensure adherence to credit policies, procedures, methodologies, approach and systems used in credit risk management and recommend/monitor implementation of corrective actions as considered appropriate.
• Ensure adherence to credit covenants, undertakings and other terms and conditions of a credit facility.
• Perform monitoring procedures of financial and operational performance of the obligors and counterparties

Improve Credit Quality:

• Quality of Credit Portfolio: Support the Senior Manager, Monitoring & Evaluation in the definition and recommendation of appropriate loan remedial strategies to reduce the Bank’s credit risk and maximize return by maintaining acceptable asset quality.
• Remedial Strategies: Support the Senior Manager, Monitoring & Evaluation in the management of qualifying risk assets within approved risk appetite limits and performance metrics.
• Liaise with Product Teams, Client Relations Department, Loan Administration Department, Loan Remediation Department and LEGA to determine appropriate workout strategies to minimize credit loss and get same properly documented.
• Provide relevant information on facilities that will aid the staging of financial assets that have increased significantly in credit risk.
• Liaise with credit analysts for the reassessment of credit grades of facilities following movements in grades and status.
• Initiate the handover of qualifying assets to the Loan Remediation Department for necessary actions in line with approved policy and procedures.
• Perform monitoring procedures relating to the collaterals held by the Bank under active credit facilities.

Reporting:

• Prepare and submit accurate and timely reports to relevant stakeholders for review and clearance on a monthly, quarterly, half-yearly and annual basis highlighting performance against defined credit quality parameters.

Relationship Management:

• Develop and maintain effective internal and external relationships through individual contacts and Bank facilitated forums.
• Represent the CQAS Department as delegated by the Senior Manager, Monitoring & Evaluation in internal and external meetings and committees.
• Maintain high level relationship with industry associations and counterparts of peer organizations to enhance capacity building and benchmarking of best-practices, executing joint projects to address shared risks and concerns, developing outlines of new methodologies and frameworks, etc.

Compliance Responsibilities:

• Understand and adhere to the Bank'sAML, Regulatory and Conduct Compliance policies and procedures, notably:
  • Staff Handbook (has code of conduct provisions)
  • Anti-Money Laundering (AML), Counter Financing of Terrorism and Counter Proliferation Financing
  • Conflicts of Interest and Policies on Staff Involvement in External Engagements/Activities
  • Anti-Bribery & Corruption
  • Insider Trading Guidelines
• Report any suspicious or non-compliant activities or matters relating to the Bank’s staff or the customers to the Compliance Department.
• Complete the Annual Compliance Training/Assessment.
• Ad hoc duties

Interpersonal skills and Leadership skills:

• Provides sound judgement, diplomatic sense, and conflict resolution skills in managing the workload and colleagues.
• Provides quality and timely reports to Senior Management and other internal stakeholders.
• Maintains cordial interactions with internal and external stakeholders by deploying sound written and oral communication skills.
• Uses empathy, integrity and sensitivity to motivate and coach others to achieve the required results.
• Provides technical expertise to own function and coordinates with relevant team members to deliver on Management’s expectations
• Good people-management skills.
• Ability to deliver quality work under pressure and problem-solving skills.
• Strong ability to think strategically, develop innovative solutions, and make sound business-related decisions.

Qualifications & Experience

• Postgraduate degree in Accounting, Banking, Economics, Risk Management, Business Administration, Finance or Commerce.
• A recognized professional qualification in a relevant area such as banking, risk management, audit or accounting is a strong added advantage.
• At least 8 years’ banking experience, specifically covering credit risk management, credit portfolio management, country and sector risk analysis, structured and project finance, etc.

Technical and behavioural competencies:

• Deep understanding of credit risk and country risk management processes and methodologies.
• Extensive experience and understanding of credit risk mitigations and financing mechanisms including structured trade finance, project finance, and syndications.
• Familiarity with developing and managing credit risk policy and frameworks.
• Strong competency in MS suite (Word, Excel, PPT).
• Broad expertise in credit portfolio management, credit risk management, country and sector risk analysis, structured and project finance.
• Recent experience in structuring and/or restructuring in commercial lending and loan portfolio management in developing markets, particularly in the field of corporate finance or private sector development finance, in a commercial bank or DFI/Multilateral Development Bank.
• Experience working in Africa is desirable
• Familiarity with IFRS 9 and financial statements/reports analysis.
• Familiarity in designing and implementing of pragmatic approaches and initiatives in credit risk management process improvements, risk identification, monitoring and mitigations, credit performance management and analysis, and reporting.
• Strong collaborative and teamwork personality.
• Strong familiarity with country, industry and sector risk developments in Africa.
• Professional international accounting, risk management, banking and audit and certification.
• Fluency in English.

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Job Purpose

• The role is supposed to help the Bank to achieve its mission “stimulating a consistent expansion of and diversification of African trade so as to rapidly increase Africa’s share of global trade, while operating as a first class, profit oriented, socially responsible financial institution.

Responsibilities
Transaction Support: Review and Analysis:

• Preliminary review of transaction requests submitted to CRAS by the business units to confirm that they meet the Bank’s eligibility criteria and advise line Manager accordingly.
• When required (in support of the credit intelligence unit), carry out comprehensive annual or ad hoc credit reviews of the Bank’s existing obligors and their respective credit facilities to promptly identify loans or exposures with actual and potential credit weaknesses so that timely action can be taken to strengthen credit quality and minimize losses.
• Prepare comprehensive credit summary reports in a standardized format and in line with the guidance from line manager or departmental head and articulate the key outcomes of the annual credit review exercise and provide recommendations of the exposure strategy and credit risk mitigation as may be applicable.
• To carryout country risk credit reviews and credit grading of the sovereign portfolio from time-to-time in support of the Bank’s lending activities to sovereigns.
• To support the line manager /unit head in performing specific tasks as assigned in support of key initiatives for the Credit Assessment Department being handled by the unit from time to time.
• To support the credit assessment process through generation of country risk review insight reports, banking sector risk analysis review insight reports, sector and product specific risk review insight reports i.e. for the Anglophone West Africa coverage countries or other regions as may be required.
• Undertake desktop research for Country Reports relevant to each transaction.
• Undertake desktop research for Business Sector/ Industry under review on each transaction.
• Undertake desktop research for the Company under review on each transaction.
• Based on the above, prepare a basic analysis of the Macroeconomic and the Microeconomic environments as relevant to each transaction
• Providing support to line manager through financial statement spreading and analysis of new loan requests and existing credit relationships.
• Extract relevant financial information from audited financial statements /management accounts provided to support each transaction.
• Carry out financial analysis which will include detailed analysis of key performance indicators as provided within the financial statements.
• Calculate relevant financial ratios based on the financial analysis model being utilized
• Obtain information from the relevant Department on the Country and Single Obligor Exposure and provide same for input into the Credit Memorandum
• Under the supervision of a designated staff, prepare industry analysis of key industries on a quarterly basis.
• Review of borrower’s compliance with approved financial covenants and other undertaking
• Carry out an initial review of requests received from borrowers for variations of approved terms.

Other Specific Tasks and administrative responsibilities:

• Salesforce – Ensure transactions status /staging is always updated on salesforce. Salesforce records status must always be reflective of actual status at CRAS.
• Rating Models- Undertake rating of clients for preliminary grading of transactions under assessment. i.e., using the relevant ratings models – Financial Institutions, Corporate, Project Finance, Structured Trade Finance, Facility Rating Model.
• Compliance – Liaising with the Compliance department for the confirmation of KYC/ CDD status and obtaining required MANCOCO reports.
• Management Reporting: Support and work with the CRAS team by collating and updating the Department’s Transaction pipeline in preparation for Management and Board meetings; Prepare periodic status of transactions for the purpose of reporting (Monthly reports, Board Reports, etc.) and exchange of documents with relevant departments (under supervision of line manager).
• Business Meetings – Assist in arranging relevant transaction related calls, preparing Meeting minutes, Terms of Reference and Back to Office Reports (under supervision of Line Manager).
• Performance Tracking – Track and report all aspects of the CRAS - Anglophone West Africa Regional Office strategic objectives and Initiatives and actively follow up with relevant officers, where necessary
• Administration: - Where required, prepare the minutes for the departmental weekly/monthly meetings.
• Perform any other duties as may be assigned by the D-CRAS, Line Manager and Bank management.

Compliance Responsibilities:

• Understand and adhere to the Bank's AML, Regulatory and Conduct Compliance policies and procedures, notably.
  • Staff Handbook (has code of conduct provisions)
  • Anti-Money Laundering (AML), Counter Financing of Terrorism and Counter Proliferation Financing
  • Conflicts of Interest and Policies on Staff Involvement in External Engagements/Activities
  • Anti-Bribery & Corruption
  • Insider Trading Guidelines
• Report any suspicious or non-compliant activities or matters relating to the Bank’s staff or the customers to the Compliance Department.
• Complete the Annual Compliance Training/Assessment.
• Identify and refer any potential suspicious transactions, activities and compliance risks to the Director of Compliance.

Qualifications & Experience

• First degree from a reputable university with a minimum of Second-Class Honours. An MBA or relevant professional certification would be an added advantage.
• Demonstrable analytical, reporting, organisational and planning skills.
• Demonstrable proficiency in English and being fluent in French will be an added advantage.
• Good credit analysis skills.
• Sound understanding of accounting principles.
• Excellent communication skills.
• 1+ year of related work experience.

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Job Purpose

• Our client is seeking an experienced and knowledgeable Manager for their Trade Finance department, with a focus on Commodity Trade Finance. 
• This role is based in the city of Abuja and offers an exciting opportunity to contribute to the expansion and diversification of African trade. 
• The successful candidate will be instrumental in developing opportunities for business development in trade finance, corporate finance, and investment banking across all member states and participating states.

What you'll do

• As a Manager in Trade Finance focusing on Commodity Trade Finance, your role will be pivotal in driving the growth of African trade. 
• You will be responsible for originating and completing trade finance transactions across a spectrum of sectors in various African countries. 
• Your expertise will be crucial in structuring these transactions and negotiating term sheets to execution. 
• You will also play a key role in supporting the preparation of annual business development plans for the unit, translating these plans into tangible business outcomes. 
• Your excellent relationship-building skills will enable you to manage a diverse portfolio of clients including major commodity traders, exporters, importers, financial institutions, and corporates operating within Africa.
• Originate and complete trade finance transactions across various sectors in different African countries.
• Structure transactions, develop and negotiate term sheets to execution.
• Support the preparation of annual business development plans for the unit.
• Translate business development plans into real business for the Bank from all segments of the commodity trade finance market.
• Manage the commodity trade finance portfolio, ensuring optimal time management from origination to contracting.
• Develop relationships with major commodity traders, exporters, importers, financial institutions, and corporates operating in Africa.

Qualifications & Experience

• As an ideal candidate for this Manager - Trade Finance (Commodity Trade Finance) role, you bring along a wealth of experience in Banking or International Trade Finance. 
• Your familiarity with major trade finance products such as syndications, co-financing, club deals among others sets you apart. 
• Your understanding of international trade and trade finance rules including International Chamber of Commerce Rules is essential for this role. 
• Your excellent communication skills coupled with your proven experience in marketing trade and enabling project finance products make you an ideal fit.
• Furthermore, your demonstrated leadership capabilities underscore your ability to effectively manage human resources.
• Proven experience in Banking or International Trade Finance.
• Sound knowledge of major trade finance products such as syndications, co-financing, club deals, etc.
• Understanding of international trade and trade finance rules including International Chamber of Commerce Rules.
• Excellent verbal and written communication skills.
• Experience in marketing trade and enabling project finance products.
• Demonstrated leadership capabilities with ability to manage human resources effectively.