Stanbic IBTC Job Recruitment february 2015: Officer Business Banking Evaluation

Stanbic IBTC is an end-to-end financial services provider. We aim to help you manage and grow your money by providing relevant information and services. We commit to help you move from where you are to where you want to be.
 Stanbic IBTC Pension Managers is a licensed Pension Fund Administrator (PFA) delivering quality pension fund administration and management services to both private and public sector employees covered by the Nigerian Pension Reform Act 2004.
Job Title: Officer Business Banking Evaluation
Job Location: Lagos

 Main Purpose of the Job

    • To assist Retail Bank in achieving their asset growth targets by providing effective value adding risk management, whilst maintaining a quality-lending book, through judicious and effective management thereof.
    • The delivery of a professional service to the business units, by assessing and evaluating credit facilities (new and/or existing) based on sound credit & financial principles which supports the minimising of risk to the bank.
    • Ensure the effective assessment of risk with respect to lending and related activities across all branches and suites.

    Key Responsibilities
  • Evaluates whether Business Banking proposals meet sound business criteria and credit risk falls within acceptable parameters, approve and recommends appropriate credit facilities including terms or conditions of facilities.

    • Ensure accuracy and reliability of approvals within advised DA, or referrals to higher authority, on business credit applications reviewed
    • Identify, quantify and evaluate credit risks in relation to profitability of business proposals and financial viability of Business banking credits.
    • Manage adherence to the service level agreement that have been concluded.
    • Build relationship with Business Bankers and Branch managers to improve quality of business proposals and turnaround time on credit evaluations
    • Detects and evaluate shifts or changes in key risk parameters and evaluate the implications of such changes on continued banking relationship.
    • Actioning of the daily referral report and make decisions to pay or not based on the reason for excess and source of adjustment, the terms of sanction in existence and the risk to which the Bank is exposed.
    • Issuing of sanction letters, clearly stating the conditions and requirements of the lending.
    • Review of relevant internal & external communications, such as circulars, economic reviews on industries, & financial or industry publications to ensure that any development, new requirements or external risks are properly taken cognizance of in lending decisions or conditions of lending.
    • Carry out other functions that could be assigned on daily basis in addition to present roles.
    • Liaising with Legal department on credit related issues.

   Click here to view details of this vacancy at Stanbic IBTC
  

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