Fresh Jobs at Standard Chartered Bank Lagos Nigeria

Job Title: Credit Analyst – Lagos Mainland Region


Job description

*To analyse customers risk using credit skills, ratio analysis, cash flow projections using CreditMate platform, evaluation of parent support policies, credit grading and judgement of management and strategy. 
*To analyse customer and facility risk using program lending parameters set by the bank. 
*To jointly structure facilities with Relationship Managers to meet individual client’s needs with a view to maximizing earnings and minimizing risk and bad debts. 
*To understand customer needs and inherent credit risk and act upon them. 
*To carry out research work and analyse market information so as to counter competitive pressures. 
*To ensure that all credits conform to Group and Local Credit Policy. 
*Monitoring of credit quality and risk with the Relationship Managers and SCS Team by highlighting early warning signs of credit deterioration. 
*Maintenance of Corporate database 
*Recommending minimum pricing ranges/risk margins using scorecard Methodology. 
*Regular review of credit worthiness of clients using account monitoring techniques 
*Train attached staff in order to assist in meeting customer requirements and to increase their efficiency, competency and productivity 
*Portfolio management & monitoring of Business Credit Applications. 
*Ensure you remain alert to the risk of money laundering and assist in the bank’s efforts in combating it by adhering to the key principles in relation to: Identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers. 
*Ensure you are trained in combating money laundering

Key Roles and Responsibilities

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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.

Job Title: Assistant Relationship Manager

Job description

Sales and Relationship Management :
*Primarily responsible for providing direct sales support on post origination activities like documentation, reactivation and unflagging of account etc by engaging with client, Ops, legal, compliance.
*Active engagement with client and also with the product partners to ensure high level of utilization of regular limits
*Answer client enquiries and address complaints either by directly following up on issues or referring them to the appropriate parties. Own the problems/issues and ensure that they are resolved satisfactorily.

Compliance, Risk and Credit Monitoring:
*Track past dues and excesses in the portfolio meticulously and ensure they are regularized on time. Any exceptions to be highlighted to Credit Monitoring and RM.
*Work with the Relationship Manager on ensuring all documentations for approvals are in place for Limits loaded properly to ensure faster execution of the transaction.
*Work in partnership with stake holders CBMS/ Trade/ CRM to ensure LC documentation are adequate for bidding and ensure funds are adequate in customers account
*Ensure all necessary approvals are sought to ensure prompt release of trade offerings/excesses for faster TAT on trade transactions.
*Work with the CDD team to ensure e-CDDs are created and renewed on time.

Administration:
*Ensure account segmentation/arm codes are maintained on all the banking systems to enable accurate reporting.
*Ensure day to day running of accounts, monitoring facility accounts to ensure they are flagged.
*Cheque confirmations ensure clearing cheques are processed, and follow up on all customer instructions/requests.

Key Roles and Responsibilities

Enter roles and responsibilities

Qualifications and Skills

Enter qualifications and skills

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.


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