Stanbic Bank Gaborone, South-East, Botswana
Jan 12, 2020Full Time
Job Details Risk Management: understanding all risks - from the economic to the political - that could affect our global business, and offering guidance to all parts of the bank Job Purpose To establish an appropriate country credit strategy and enable policies to support the business strategy of Stanbic Bank Botswana. Futher, to manage the Country Credit Risk and CIB Credit Risk portfolio and profile within its risk appetite and acceptable Group parameters, through evaluating Credit Risk profiles. Key Responsibilities/Accountabilities Execute the Stanbic Bank Botswana Credit strategy. Review management information relevant to the credit portfolio and provide input on the Standard Bank Credit strategy and provide value-add change initiatives with respect to training, portfolio management, people management, policies, procedures, processes and products. Liaise with other business units i.e. Corporate and Investment Banking (CIB), to ensure optimal client solutioning at an agreed risk profile. Responsible for providing expert advice to business partners on credit risk, credit assessment and internal control, to ensure an effective annual review of Risk Acceptance Criteria and Risk Appetite. Articulate and establish appropriate Governance for the country. Review and drive enhancements to the business model for the monitoring and control processes with a view to streamlining or automating processes/procedures. Be a part of the new product committee and provide input from a credit point of view. Ensure that the various sub-sections are managed effectively and efficiently and that minimum quality standards are maintained. Review and approve credit proposals of the Bank and to maintain a good balance between returns and risks exposure. Review credit proposals and ensure they are within their mandates. Review the credit applications and based on modelling and credit methodologies approve or decline within mandated limits. Develop and manage a high performing team by embedding the bank's performance process, regular performance feedback and coaching. Preferred Qualification and Experience Bachelor's Degree in Finance and Accounting or any related qualification Post Graduate certificate is an added advantage 7-10 Years experience in a related field at a management level. Experience in a management position in credit with experience in local and cross border credit transactions Knowledge/Technical Skills/Expertise The ability to assess the financial status of a customer or client to determine if they qualify for a loan based on established parameters and criteria The ability to apply legal process in recovering assets that were put forward as security for loans The ability to review balance sheets, income statements, cash flow statements and tax returns to determine the credit risk of the client The ability to prepare quantitative and qualitative analysis on the risk landscape in the business including interpretation and analysis for use by business users. Demonstrates knowledge and understanding of risk management methodologies, tools, governance structures and regulatory requirements for good management of risk.