Fresh Job Openings at Standard Chartered Bank Nigeria

Job ID: 477384
Location: Lagos
Job Function: Commercial Clients
Full/Part Time: Full time
Regular/Temporary: Permanent

Job Description

• Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
• Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.
• Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.
• Ensure quality Credit Analysis throughput and speedy BCA completion.
• Participate and contribute to other Balance Sheet optimization oriented activities like asset pricing, facility structuring, etc.

Key Roles & Responsibilities
Origination:

• Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with RM/product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.

Work with the RM, in:

• Obtaining all pre clearances like ER negativity, segmentation, etc.
• Deals Structuring and other account optimization initiatives.
• Expediting approvals.
• Responsible for end-to-end BCA process including preparing all the tools like Odyssey, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
• Visit Clients operational base with the Relationship Manager (RM) prior to BCA renewals.
• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, Temasek check, other special reporting requirements, etc.
• Liaise with GAM Credit for limit approval/allocation.
• Seek necessary approvals for excesses in the account.

Post Deal Account Monitoring:

• Promptly carry out Interim BCA reviews ad amendments as the business demands
• Ensure Zero BCA over due ad extensions not breaching the required threshold.
• Liaise with Credit on BCA ad other credit issues ad ensure quick turnaround o queries.
• Proper maintenance of Credit files ad ensuring Audit Readiness at all times
• Attend Early Alert Reporting (EAR)/ Portfolio call calls along with the RMs
• I partnership with the RM, ensure timely identification of accounts to be put i Early Alert (EAR) as per the bank’s policies ad guidelines
• Maintain close contact with the borrowing clients on a ongoing basis
• Ensure that Credit Files are up to date at all times

Others:

• Prepare timely Stress Tests wherever required
• Prepare specific industry study
• I partnership with the RM, approve the TAS request as per the bank’s policy (only FI specific).
• Work o specific request from custody for limits (only FI specific)
• Prepare PMC report (only FI specific). Prepare summary sheets for FIS (only FI specific)
• Prepare Credit Opinion reports wherever required.
• Effective use of CreditMate, RMWB, ad other proprietary tools.

Key Relationships for
External:

• (Deal structuring, Credit information, industry update)
• Clients / Trade associations,
• legal firms, Accountants etc

Internal:

• (Approval, reporting, monitoring; Joint management of the portfolio as a cohesive team)
• Credit
• RM
• Other stake holders (FM/ TB/CA/CRC, etc)

Key Measurables

• To be read with individual Job Objectives
• Effective structuring the deal along with the RM - no of structured deals handled successfully
• Minimum errors and reworks on BCAs being handled
• Completion of BCAs and obtaining Credit approvals on time to facilitate faster execution of transactions.
• Revenue from the portfolio
• No overdue BCA
• Satisfactory Audit and other internal & external reviews
• No movement of account to GSAM without going through EAR

go to method of application »

Job description

• Accountability for driving sales and portfolio growth for Priority Clients Acquisition Team
• Contribution to the formulation of the sales and portfolio management strategy.
• Coaching, Training and Personal Development planning
• Monitoring performance and taking appropriate remedial action
• Embedding sales governance and sales management principles across the region
• Sales Governance
• Sales management
• Delivery of the Team's budget
• Quality of business introduced through proper profiling

JOB PURPOSE

• Driving the implementation of the Sales strategy to ensure growth of the Priority Clients book through innovative leadership of the region's team.
• Onboard NTB Priority Clients
• Onboard NTB potential clients with multiple product needs (e.g. Wealth Management, Wealth Management OD, Mortgage)
• Engage NTB clients via leads sourced from sources like agency, alliances and owners of our Supplier & Buyer ecosystem
• Ensures that the applications meet the required standard.
• Ensure the anomalies / errors / omissions are attended to before submitting the application to BOO Centre/Credit for further review / processing.

OTHER RESPONSIBILITIES

Business Development
Provide leadership to the BDOs, Priority Clients Acquisition team and support the Team to carry out the following responsibilities:

1. Prepare & set up (remote)

• Receive leads from leads management system - NTB from Alliances, Agency or Priority Centre
• Conduct research and preparation on client lead and prepare Bank's proposition
• Prepare all documents (digital) required for account opening and pre-fill forms where possible

Sources of Leads

• Owners of CC and BC companies and top management staff of C&IC Companies
• Introducers
• Paid referrals
• Alliances

2. Call/meet, deep sell (in person)

• Call or meet in person
• Listen and determine further needs
• Communicate the proposition
• Acquire clients with anchor products
• Set up KYC needs with KYC centre
• Educate and conduct initial set up for online, ATMs, Client Centre, and Branch

3. NTB: On-board, Activate and pass on (remote)

• On-board, activate as per the 100 day plan
• Prepare and pass on Client into interacting with the Bank via Online, Client Centre and Branch
• Ask for referrals

Qualifications and Skills

Enter qualifications and skills:
In compliance with the National Youth Service Corps (NYSC) Act of 2004, all applicants should ensure that they have completed the mandatory NYSC programme. A discharge certificate will be required as evidence of completion of the programme. Where an exemption has been granted, a certificate of exemption will also be required.