Standard Chartered Bank Nigeria Job for Credit Underwriter
Employment Nigeria
01-Jan-1970
NIGERIA , NIGERIA ,
Standard Chartered Bank Nigeria - We attract talented individuals. Not only can they give you the benefit of their experience, they also reveal a closer, more personal look at the wide range of global opportunities we offer. At the core of the Group's people strategy is our focus on employee engagement. Engagement is a key driver of productivity and performance, which creates the foundation of our performance culture. We encourage and focus on the behaviours that bring out the very best from every employee, assessing their performance not just on results but on how those results were achieved. To further embed these behaviours we have a remuneration programme in place, carefully designed to incentivise our employees to live our values every day.
We are recruiting for the position of:
Job Title: Credit Underwriter
Job ID: 403229
Job Function: Risk
Job Location: Nigeria - SCB
Job Description
Appraising PIL, CC & Mortgages loan applications & securing approvals.
Monitoring the Portfolio to ensure a healthy portfolio is maintained thereby contributing to overall Consumer Bank goals and objectives.
Key Roles & Responsibilities
- Processing Personal Loan Limit Applications/ approving those within delegated lending authority and securing approvals for those above my delegated lending authority.
- Ensuring Personal Loan approvals are within PDD parameters and level 2 and 3 approvals minimized.
- Appraising Personal Loan Limit Applications and subjecting them to credit analysis identifying potential risks and advising Loan Center Managers of corrective action to be taken to minimize credit losses.
- Ensuring Personal Loan facilities have been approved at correct levels and are in conformity with Credit Policy
- Constant liaison with Loan Center staff to ensure irregularities are rectified and correct procedures are being followed in terms of Group requirements
- Assist in preparing accurate MIS reports on a daily, monthly and quarterly basis
- Progressively improving MIS & Reporting.
- Validation of monthly credit bureau reports and other requisite bureau MIS
- Ensuring the money laundering prevention measures under the Group Policy and Standards are in place and being implemented.
- Monitor local national and international economic, legal and regulatory developments which impact on risk and lending policies. Interpret to the best judgment. the influence of these indicators on the quality of the Personal Loans asset portfolio
- Exercise prudent risk aware judgement in use and application of own lending limits
- Directly monitor account limits and excesses and ensure there is minimal risks
- Continuously review credit processes and procedures and ensure that work flow is consistent with credit approvals to achieve high portfolio standards in Consumer Banking.
Legal, regulatory, economic and compliance
- Ensure you remain alert to the risk of money laundering and assist in the Bank 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 your staffs are trained in combating money laundering.
Qualifications & Skills
- University degree background with credit risk management experience.
- Minimum of 2 years of Consumer Banking experience with proved credit skills.
- Good understanding of local market and consumer banking credit in general.
- Possess an eye for detail.
- Good analytical skills.
- Good interpersonal skills.
- Good communication skills.
- Good financial and MIS skills.
Mode of Application
Interested and qualified candidates should:
Click here to apply online
Note:
- When the page opens, at the Location dropdown, select Nigeria - SCB and click Search, then click Credit Underwriter.
Application Deadline: 20th November, 2013
Sorry the application deadline for this job has elapsed
