Credit Analyst, Financial Institutions at Standard Chartered Bank Tanzania

💥Credit Analyst, Financial Institutions – (2300002092)
Job: Institutional Banking
Primary Location: Africa & Middle East-Tanzania, United Republic of-Dar es Salaam
Schedule: Full-time
Employee Status: Permanent
The Role Responsibilities
Job Summary
The
Client Manager is the pivotal relationship in the Client Delivery team
responsible for delivering exceptional client account management.
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The
Client Manager is responsible for proactively managing the client
account on all day to day maintenance activities to ensure the highest
level of client service and relationship health.
The Client Manager
will support the GAMs, RAMs or FAMs on an aligned client portfolio to
ensure strong client delivery execution.

Knowledge of Government entities and Banks will be an added advantage.
Business

• Provide direct support to the GAM / FAM for the assigned client portfolio as follows:
• Ensure
  the highest level of client service and risk mitigation through
  proactive client account management support with client on-boarding
  (liaising with IMO), credit monitoring (liaising with CA COE) and flow
  maintenance.
• Actively engage and collaborate with Clients, GAMs /
  RAMs / FAMs and Product Partners to understand and respond to any
  issues / concerns relating to the ongoing account maintenance including
  highlighting any unusual utilization patterns to coverage teams.
• Provide
  proactive support on account maintenance activities like documentation,
  reporting etc by engaging and collaborating with the client, IMO, CA,
  MDU, Legal and Compliance and relevant ops teams as required to ensure
  the clients expectations are met or exceeded.
• Escalate issues / concerns relating to account maintenance activities to the CM Team Lead for follow up as relevant.

Documentation: Credit (existing deals – Renewals / Amendments) and Other

• Liaise with Legal and Compliance, IMO, CDU and Clients on standard documentation processes.
• Obtain necessary approvals for T&C deviations on standard docs from the relevant authoriser as necessary.
• Follow through to ensure documentation completion and validate limits are correctly loaded / reflected in TP systems.
• Ensure document deficiencies are minimised (as reflected in DDW etc) and are rectified in a timely manner.
• Liaise with COBAM / GAM / FAM if required on CDD related items.

Account Management and Portfolio Quality

• Ensure
  general portfolio hygiene of client data from a quality control
  perspective i.e. correct client tagging, limit information, segment
  classification etc in SCI, WorkBench.
• Annotate on past dues and excesses daily in the portfolio.
• Ensure
  excesses / past dues are regularized on time and cash / cheques are
  released on time. Any exceptions to be highlighted to CA and GAM / FAM.
• Review and follow up on Unsettled (FX) Past Due Trades reports and Failed trades reports with Operations.
• Support Loan Drawdown, Cash Management, Trade Offerings and Audit Confirmations.
• Manage
  any client related data queries and remediation efforts, including
  first level escalations on account maintenance activities.
• Seek
  transactional approvals as necessary (i.e. trade, cash) and release
  trade offerings on time to ensure faster TAT on trade transactions.
• Attend
  EAR / ASTAR Review meetings as appropriate and participate in relevant
  business meetings, forums or committees as required.
• Provide support on other projects as assigned i.e. CIB Client Surveys, other business initiatives.
• Support Network Delivery through documentation facilitation (passporting).
• Arrange for stock inspections / valuations as required.

Processes

• Ensure adherence to all internal / regulatory policies and regulations.
• Co-ordinate
  with Operations / GSSC to rectify any operations related issues which
  can be resolved locally and issue Standard Instruction Form (SIFs)
  wherever required within authority.

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Risk Management

• Be proactive in ensuring compliance with Bank policies and procedures and lead preparation of client files for audit purposes.

Governance

• Responsible
  for assessing the effectiveness of the Group’s arrangements to deliver
  effective governance, oversight and controls in the business and, if
  necessary, oversee changes in these areas.
• Awareness and
  understanding of the regulatory framework, in which the Group operates,
  and the regulatory requirements and expectations relevant to the role.
• Responsible
  for delivering ‘effective governance’; capability to challenge fellow
  executives effectively; and willingness to work with any local
  regulators in an open and cooperative manner.

Regulatory and Business Conduct

• Display exemplary conduct and live by the Group’s Values and Code of Conduct.
• Take
  personal responsibility for embedding the highest standards of ethics,
  including regulatory and business conduct, across Standard Chartered
  Bank. This includes understanding and ensuring compliance with, in
  letter and spirit, all applicable laws, regulations, guidelines and the
  Group Code of Conduct.
• Support the team to achieve the outcomes
  set out in the Bank’s Conduct Principles: Fair Outcomes for Clients;
  Effective Financial Markets; Financial Crime Compliance; The Right
  Environment.
• Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.
• Adhere to local regulator [CBK] prescribed responsibilities and Rationale for allocation.

Key Stakeholders
Internal

• Senior Banker / Banker for designated portfolio
• Credit Analyst for designated portfolio
• Product partners for designated portfolio
• Key functional partners ie IMO, Credit, MDU, Legal, Compliance, Product Ops (Trade, Cash, FMO etc), Finance, Marketing
• Segment Leadership team

External

• Clients
• Legal firms, Audit
• Market Data Services providers

Other Responsibilities

• Embed Here for good and Group’s brand and values in the Team.
• Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures.

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Our Ideal Candidate

• Bachelor’s degree in Banking or Finance preferred.
• Ideally 3 years of experience in banking or another relevant environment.
• Risk and AML certified as stipulated by Bank policy for Client Manager role.
• Good communication skill

Role Specific Technical Competencies

• Manage Conduct
• Risk Management and Internal Controls (SIF)
• Business – Strategy and Business Model (SIF)
• Business – Market Knowledge (SIF)
• Business – Products and Processes
• Business – Business Partnering
• Information Systems – Applications and PC skills

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About Standard Chartered
We’re
an international bank, nimble enough to act, big enough for impact. For
more than 160 years, we’ve worked to make a positive difference for our
clients, communities, and each other. We question the status quo, love a
challenge and enjoy finding new opportunities to grow and do better
than before. If you’re looking for a career with purpose and you want to
work for a bank making a difference, we want to hear from you. You can
count on us to celebrate your unique talents. And we can’t wait to see
the talents you can bring us.

Our purpose, to drive commerce
and prosperity through our unique diversity, together with our brand
promise, to be here for good are achieved by how we each live our valued
behaviours. When you work with us, you’ll see how we value difference
and advocate inclusion.
Together we:

• Do the right
  thing and are assertive, challenge one another, and live with
  integrity, while putting the client at the heart of what we do
• Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well
• Be better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term
• In
  line with our Fair Pay Charter, we offer a competitive salary and
  benefits to support your mental, physical, financial and social
  wellbeing.

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• Core
  bank funding for retirement savings, medical and life insurance, with
  flexible and voluntary benefits available in some locations
• Time-off
  including annual, parental/maternity (20 weeks), sabbatical (12 weeks
  maximum) and volunteering leave (3 days), along with with minimum global
  standards for annual and public holiday, which is combined to 30 days
  minimum
• Flexible working options based around home and office locations, with flexible working patterns
• Proactive
  wellbeing support through Unmind, a market-leading digital wellbeing
  platform, development courses for resilience and other human skills,
  global Employee Assistance Programme, sick leave, mental health
  first-aiders and all sorts of self-help toolkits
• A continuous
  learning culture to support your growth, with opportunities to reskill
  and upskill and access to physical, virtual and digital learning
• Being
  part of an inclusive and values driven organisation, one that embraces
  and celebrates our unique diversity, across our teams, business
  functions and geographies – everyone feels respected and can realise
  their full potential.
• Recruitment assessments – some of our
  roles use assessments to help us understand how suitable you are for the
  role you’ve applied to. If you are invited to take an assessment, this
  is great news. It means your application has progressed to an important
  stage of our recruitment process.

Visit our careers website www.sc.com/careers
Posting Date: 01/Feb/2023, 1:05:36 PM
Unposting Date: 16/Feb/2023, 2:59:00 AM

CLICK HERE TO APPLY!