The Role

Manage a portfolio of counterparty credit risks associated with lending trading and investing activities, with the primary objective of assessing and managing risk within acceptable parameters.

Key Responsibilities

•   Ownership and understanding of the risk profile of the credit portfolio allocated
•   Formulation and recommendation and or evaluation of credit proposals, with a comprehensive risk assessment for new or increased facilities as well as s well as annual risk reviews on the existing portfolio base. This will usually entail visiting the customer and engaging at MD. FD or FM level, and where necessary. Present applications to Credit commodities consisting of Exco members.
•   Coordinate and ensure that the post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction
•   Follow up and address no-adherence to terms and conditions of sanction by counterparty, to consider the inherent risk therein and to make recommendations as to action to be taken to regularize or mitigate such increased risk.
•   Coordinate research in respect of industry and market risk in relation to counterparty exposures on the underlying portfolio.
•   Articulate credit appetite and give guidance structure of deals and documents required
•   Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities, Conduct annual risk reviews on the existing portfolio base.
•   Make timeous, sound and pragmatic recommendations and decisions in managing accounts within portfolio.
•   Daily management, escalation and control of portfolio irregularities.
•   Participate in projects as delegated from time to time

Qualification Required & Experience

•   Tertiary qualifications preferable.
•   Prior banking or financial institutions experience advantageous.
•   Minimum of two to three (2-3) years experience in credit applications and transactions.
•   Strong decision making experience with regards to credit issues.

Core Personal Competencies

•   Attention to detail
•   Problem solving and ability to make decisions
•   Customer centric orientation
•   Energy and drive
•   Self-starter with a sound work ethic with follow through
•   Strong organization skills
•   Strong consulting and portfolio development skills
•   Confident and effective communicator (both verbal and written)
•   Proactive approach to relationship building and a strong team player

Remuneration: Negotiable according to experience, knowledge and skills

Location: Accra

How To Apply For The Job

Interested persons may e-mail their application letter and current curriculum vitae (CV) to:

recruitmentghana@stanbic.com.gh

Closing Date: 16 March, 2016