Posted on :
10 Jul, 2017
10 Jul, 2017
Standard Chartered Bank Ghana Limited is a market – leading financial services brand in Ghana, listed on the Ghana Stock Exchange.
It has operated for 118 years in the country and is currently the highest priced stock on the exchange.
The Bank’s focus and commitment to developing deep relationships with clients and customers have driven its consistent growth in recent years.
Job Description
Job Title: Manager, Credit Initiation
Manager, Credit Initiation Advertisement • Graduate with 2 year experience in Credit or business related fields. Key Roles and Responsibilities |
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• Processing Retail Banking applications in compliance with laid out policies and report trends and issues requiring corrective actions. Such as – Approving within delegated lending authority and securing approvals for those above-delegated lending authority. – approvals are within CAD parameters; applications approved at correct levels and are in conformity with Credit Policy; level 2 and 3 approvals minimized – Appraising Retail Products and subjecting them to credit analysis identifying potential risks and advising Lending operation Managers of corrective action to be taken to minimize credit losses. – Liaison with Lending operation staff to ensure irregularities are rectified and correct procedures are being followed in terms of Group requirements. • Ensure all applications are processed within benchmarked turnaround times and KPIs are kept within JO specified limit • Interaction with functions like Clients service, sales team, operations and collections to ensure quality bookings, customer service and data accuracy and audit controls. • Responsible for ensuring Credit Initiation Unit (CI) Cost is within budgeted benchmarks and demonstrates cost control through productivity initiatives. • Responsible for system enhancement and support from CI side. • Responsible for projects assigned from time to time.Legal, regulatory, economic and compliance • Monitor legal and regulatory developments that impact risk and lending policies. These include Prudential Guidelines, Consumer Protection Act etc ; Audit, review, delegation and approval • Conduct process and operational risk management reviews as well as business and product risk reviews. Control Responsibilities Financial |
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Qualifications and Skills | |
Graduate with 2 year experience in Credit or business related fields. • Personal credit appraisal skills. • Good negotiation and communication skills. • Understands market trends and can interpret impact on the Retail portfolio. • Full knowledge of Retail Banking Products and those of the competitors. • Good Computer skills with knowledge of the Credit MIS • Strong analytical skills and attention to detail. • Basic Project management skills. • CSAP certification is an advantage |
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Diversity and Inclusion | |
Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential. |