Key responsibilities:
Financial
Prepare and submit financing proposals
in conformity with financing Policy guidelines and requirements in liaison with
the Relationship Managers and to maintain a high standard of financing
analysis.
Collect and analyze vital data on
clients i.e. annual reports, management accounts, interim reports, industry
reports and all press cuttings etc. to acquire in-depth knowledge which will
facilitate comprehensive review of assigned accounts relationships and
relationships assigned to Relationship Managers.
Obtain account statistics and
profitability figures for facilities review/appraisal purposes and ensure that
information provided is accurately completed and that relevant remarks are
incorporated in the financing proposal.
Review all existing clients’ facilities on time.
Prepare excess approval
requests/notification for all excesses.
Support the RM to achieve set income
targets (Profit income and non-profit income)
Undertake RM’s responsibilities when
RM is away.
Ensure all income is collected.
Cross-sell other Bank Products and
services
Customer
Experience
Provide an interface between the bank,
existing and prospective customers in order to maintain good customer
relations, so as to meet customer needs within the strategic objective of the
bank.
Oversee the relationship management of
assigned customers through maintenance of an effective call program.
Make recommendation for existing and
prospective customers under the various facility products and submit to the
appropriate final authority within established turnaround time.
Run with a customer experience
initiative to build customer loyalty for allocated portfolio.
Attend expeditiously to queries /
routine correspondence generally emanating from Clients, Financing
Administration, Risk Control, branches, and customers.
Accompany the RM on client visits and
file call reports.
Obtain account statistics and
profitability figures for facilities review/appraisal purposes and ensure that
information provided is accurately completed and that relevant remarks are
incorporated in the financing proposal.
Review of draft offer letters received
from financing administration in line with approval terms and conditions.
Internal
business processes
Monitor accounts daily to ensure
operations within the approved limits.
Take remedial action by pursuing
customers on regularization of overdrawn positions.
Prepare excess requests/notification
for all excesses and follow up for sanctions by approving authorities.
Prepare ALCO report every end-month.
Confirm of profit rates end of month.
Prepare assigned portfolio monthly
reports on a timely basis as is required from time to time for sign off by RM.
Issue disbursement instructions to
financing administration and Trade Services within approved facilities.
Give instructions to un-pay cheques
when accounts are underfunded in consultation with RM.
Attend to audit queries, perform
snap-checks monthly and ensure that any anomalies/exceptions are sorted out.
Ensure instructions to our lawyers are
sent out by the legal department to proceed with perfection of security.
Continuously follow-up with legal
department to ensure timely documentation and perfection of security.
Ensure compliance with security
perfection e.g. payments of land rent and rates, insurance etc.
People,
Learning and Growth
Attend all training courses arranged
by the Bank.
Discuss career path/growth with line
manager at least quarterly.
Requirements:
Qualifications:
Any Degree from a recognized
university
Credit Management, Accounting or
Banking Qualification
At least 5 years relevant experience
in credit analysis
Professional qualifications in ACCA,
CPA, CFA etc. is an added advantage.
Strong general banking expertise
Prior experience within the Corporate
Banking environment is an added advantage.
Competencies
& Attributes:
Financial
Analysis: Understands
how to interpret financial statements and can generate a detailed Financing
appraisal.
Credit
Structuring: Understands
and can structure complex deals.
Intellect: Applies business acumens and
technical financial skills to the overall management of the performance
management and development platforms.
Team
player: Shares
with and consults others, enjoys working in a collaborative context.
Levelheaded: Should be able to handle
rejection and deal with difficult customers.
Flexible: Is open to and can cope with change,
is able to deal with ambiguity because of change.
Listening: Encourages and seeks to understand
other viewpoints and perspectives Attuned to all possible sources of useful
information
Persuasive: Enjoys selling, convincing with
facts, negotiates, changes the opinions of others.
Decisive: Weighs things up quickly, is
prepared to take calculated risks
Socially confident:
At ease with meeting people, knows what to say and is quick to establish
rapport.
Resourceful: Finds practical ways to solve issues
Remuneration
A package commensurate to the posts shall be discussed
and agreed with the successful candidates.
How To Apply
