Officer, Credit Risk Management

4 weeks ago


SaintHelier, United Kingdom Standard Bank Group Full time
Job Description

To provide specialist & operational support to the Manager, Credit Risk Management,and Consumer   regarding administrative and risk management duties, including credit risk account management  to ensure that the Bank remain within the regulatory requirements. To co-ordinate and present Credit risk training and guidelines .


Qualifications

Minimum Qualifications
Type of Qualification: Diploma in Risk Management or Business Commerce

Experience Required
Credit Risk 

1-2 years
Product knowledge regarding banking products and services, systems, policies and procedures in order to understand and draw information and inferences regarding post credit granting process regarding Consumer and High Net Worth Clients for Vehicle Asset Finance, Home Loans and Unsecured Loans

3-4 years
Experience pertaining to credit risk management, understanding the Bank's products and facilities and where risks lay in these facilities. Strong knowledge of various legislative requirements, including registration processes.



Additional Information

Outputs:

 

  • Monitor the credit portfolio to track conditions on approved applications and use exception reporting to identify and report breaches and ensure remedial action is taken.
  • Provide Management Information to the business to enable them to manage their loan portfolios.
  • Assess Credit Proposals to establish the financial performance to inform approval by Delegated Authority holders.
  • Facility documentation – check all conditions are included in the draft facility letters.
  • Disbursements – validate conditions precedents are met.

 

  • Act as Secretary to SBO Credit Committee in accordance with the agreed mandate, including maintaining accurate and complete records.
  • Monitor and Action the Credit Risk e-mail inbox

Technical Competencies:

  • Banking Process & Procedures
  • Business Administration Skills
  • Compliance
  • Product and Services Knowledge
  • Product Related Systems (Consumer Banking)
  • Risk Identification
  • Risk Management


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