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Name Of the Company : Standad Bank
Company Location : Dar Es Salaam
Designation : CIB Senior Credit Manager
Country : Tanzania
Official Website : http://www.stanbicbank.co.tz/Tanzani…nzania/Careers
Careers :
CIB Senior Credit Manager :
A senior management position that carries full responsibility for the credit approval and management process in respect of a portfolio. Develop and maintain co-operative relationships between all stakeholders in the credit value chain. This position will likely include leadership responsibility for a team of Credit Managers.
Key Responsibilities / Accountabilities :
Evaluation and Approval of Credit Applications :
** Strong analytical skills, with the ability to review and understand complex transactions
** Analysis of credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal
** A good understanding of the Risk Reward for each deal reviewed
** Well thought out decisions showing sound judgement where applications are within Delegated Authority
** Effective provision of analyses and recommendations where applications require referral
** Present applications to Credit Committee, consisting of Exco members.
** Specialist knowledge of Project Finance, Structured Transactions or other Product knowledge a requirement
On-going Credit Management :
** Proactively communicate key risks as they arise
** Overall management of the portfolio of accounts with appropriate escalation
** Monitoring, questioning and understanding changes in credit quality in any counterparty/industry
** Making recommendations to the Director Credit regarding portfolio strategies (Country and Industry trends and the strategic implications for managing the credit facilities of clients in those geographies and industries)
Leadership :
** Proven ability to lead teams and develop Credit Managers
** Demonstrate and/or develop a proactive, “Change The Bank” mindset
** Ability to influence all key stakeholders through knowledge and experience
** Identify and drive change within Credit and the Business by initiating and owning change projects
Success Indicators :
** High level of credibility in respect of recommendations and decisions made.
** The ability to deal with new business requests and understand complex transactions and products.
** The ability to coordinate and manage the credit origination and approval process across various jurisdictions.
** The ability to find alternatives in order to make deals work (if possible) and in so doing, add value to the deal making process.
** The ability to provide constructive workable guidance to in deal origination teams.
** The ability and confidence to operate independently whilst still operating as an effective team player
** Taking the lead as a change agent in teams and build a profile across various Risk types and the Bank.
Key Knowledge, Experience And Personal Compentencies Knowledge :
** A solid background in credit, 5+ years at decision making level, preferably a track record of operating with a personal delegated authority.
** Thorough working knowledge of the Risk systems monitoring, and its related procedures, for analysing the account behaviour of clients, identifying trends and shifts in credit risk profiles.
** Thorough understanding of bank’s products and facilities that give rise to counter party credit risk.
** Strong technical understanding of non-credit risks encountered within transactions.
** Knowledge of financial markets (Global and especially African economies).
** Thorough conceptual and practical knowledge of credit procedures, policies, standards.
** Knowledge of risk systems and derivative instruments.
** Assuming the lead on projects and bringing to conclusion.
Qualifications :
** Tertiary qualifications preferable.
** Prior banking or financial institutions experience advantageous.
Experience :
** 5 years experience in credit
** Strong decision making experience with regards to credit issues
** Understand the Credit recovery process and actively participate on Watchlist
** Proven track record of leading teams essential
** Designated Authority Level : DA7 to DA5
Core Personal Compentencies :
** Ability to adapt style in different situations
** Must pay attention to detail
** Good problem solving ability
** Must be comfortable making decisions
** Customer-centric orientation
** Self-starter with a sound work ethic and follow through
** Strong organisational skills
** Strong consulting and portfolio development skills
** Confident and effective communicator (both verbal and written)
** Proactive approach to relationship building with the ability to manage difficult relationships
** A strong team player
Application Procedure :
Send your CV to Muwangaj@stanbic.com
Contact Postal Address :
Standad Bank
P O Box 72647
Dar Es Salaam
Tanzania