Standard Chartered Bank Nigeria Recruits Credit Analyst

Standard Chartered Bank Nigeria - We attract talented individuals. Not only can they give you the benefit of their experience, they also reveal a closer, more personal look at the wide range of global opportunities we offer. At the core of the Group's people strategy is our focus on employee engagement. Engagement is a key driver of productivity and performance, which creates the foundation of our performance culture. We encourage and focus on the behaviours that bring out the very best from every employee, assessing their performance not just on results but on how those results were achieved. To further embed these behaviours we have a remuneration programme in place, carefully designed to incentivise our employees to live our values every day.

We are recruiting to fill the following position:

Job Title: Credit Analyst

Job ID: 410088
Job Function: Consumer Banking
Job Location: Nigeria - SCB

Job Description

• Responsible for assessing credit risk of assigned portfolio of SME BANKING with a view to minimizing loss and maximizing Risk Adjusted Revenues.
• Product management & development of SME portfolio.

Key Roles & Responsibilities

• To analyse customers risk using credit skills, ratio analysis, cash flow projections using CreditMate platform, evaluation of parent support policies, credit grading and judgement of management and strategy.
• To jointly structure facilities with Relationship Managers to meet individual client’s needs with a view to maximizing earnings and minimizing risk and bad debts.
• To understand customer needs and inherent credit risk and act upon them.
• To carry out research work and analyse market information so as to counter competitive pressures.
• To ensure that all credit conforms to Group and Local Credit Policy.
• Monitoring of credit quality and risk with the Relationship Managers and SCS Team by highlighting early warning signs of credit deterioration.
• Maintenance of Corporate database e.g. spread.
• Obtaining and analysis of financial statements and raising appropriate concerns.
• Recommending minimum pricing ranges/risk margins using scorecard Methodology.
• Regular review of credit worthiness of clients using credit grading techniques
• Train attached staff in order to assist in meeting customer requirements and to increase their efficiency, competency and productivity
• Product management & monitoring of SME portfolio.
• Ensure you remain alert to the risk of money laundering and assist in the bank’s efforts in combating it by adhering to the key principles in relation to: Identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers.

Qualifications & Skills
a) Knowledge:

• Minimum qualification 1st degree plus professional qualification CA/ACCA/CIMA/CIS and any other relevant diplomas/degrees.
• Full CSAP within a year of moving into the role
• A good understanding and analysis of financial statements, cash flows and their impact on businesses.
• An in-depth knowledge of advanced lending techniques, Group products, trade finance, investment instruments and of Bank’s policy, rules and procedures.
• Good knowledge of business conditions, banking and Commercial Law.

b) Experience:

• At least 2 years lending experience in responsible positions.
• Expertise in credit structuring, evaluating risk, financial analysis and industry analysis.
• Strong lending, negotiating and decision making ability.

Mode of Application
Interested and qualified candidates should:
Click here to apply online


Note:

• When the page opens, at the Location dropdown, select Nigeria - SCB and click Search, then click Credit Analyst

Application Deadline: 24th December, 2013