Key Responsibilities:
Product
Provide accurate, expert and specialist advice to all divisions and business & commercial banking & Personal & Private Banking units with regards to Covenant monitoring transactions.
Participate in knowledge sharing within the credit and business teams
Control the adherence to the service level agreement for internal and external processes where applicable
Build relationship, with branch based business bankers and relationship managers to improve structured transactions business proposals and turnaround time on draw down
Attend meetings with and maintain regular contact with Front office/product areas in order to build good working relationships.
Establish and track closure of waived conditions precedent and subsequent to sanction
Monitor utilization in excess of credit facilities and assist in managing exposures
Monitor and control the quality of designated portfolio, using conditions of sanction and other covenants/conditions
Act on continuous improvement relating to design and continuously improving existing and new business processes.
Support BCB & PPB Credit Heads to develop new AM & CMU policies, following updating existing policies and identifying and reporting any policy exceptions
Risk, Regulatory, Prudential & Compliance
Affirm that group governance standards are effectively embedded resulting in clean CRR, Audit & CART findings
Implement monthly Manco checks and continuous developing of Manco checks inline with emerging risk areas
Maintain adherence and compliance to all policies, processes and procedures
Act on the implementation and adoption within Business Banking & Personal & Private Banking account management of all Compliance, Anti-Money Laundering and sanctions related requirements contained in policies, procedures and processes. This includes monitoring and identifying any material compliance related breaches and escalating them to the Compliance Officer
Maintain the accuracy of the watch lists process to ensure that irregular accounts are identified early and accounts identified as high risk are being managed effectively in terms of agreed action plans
Check compliance with covenants and escalate breaches to right DNA
Detect early warning signals impacting the portfolio
Monitoring early warning triggers and management of escalations matrices (compliance grids, damage control migrations and arrears reports)
Establish reasons for risk exposure in excess of credit facilities across credit risk systems and taking corrective action (referral and excess management)
Play a role in supporting BCB & PPB credit risk change agenda
People
Give clear direction to the activities of the team members, with regular feedback and support
Facilitate the development of staff and provide opportunities for their growth inability and contribution to the effectiveness of the team.
Affirm that a proper Business & Commercial Banking & Personal & Private Banking AM Function is in place and addressing the relevant processes pertaining to AM functions.
Oversee all reports from the AM team prior to onward forwarding to management.
Ensure that the AM team is effectively staffed and motivated
Client
Proactively stance on individual portfolio allocation by active level of dialogue with front office/CEMs to ensure risk considerations are part of business strategy.
Data
Maintain that relevant reports are produced in an accurate and timely manner.
Daily review of reports and highlighting anomalies within assigned portfolios
Extract from legal documentation, internal sanction documents, financial and non-financial covenants. Populating and updating conditions of sanction on the compliance grid
obtain information directly or indirectly from appropriate counter parties necessary to check covenants
Implement research, analysis and data management from varied sources aimed at pre-empting risks on the credit portfolio.
Responsible for analysisng AFS & management accounts and other performance information submitted by consumers to track trends and early identification of warning signs and management of that data
Qualifications:
A Degree in Business Commerce or Finance and Accounting with preferred Post Graduate Degree in either Commerce or Finance and Accounting.
Other Minimum Qualifications, certifications or professional memberships – Certified Credit Analyst
Experience:
5 to 7 years of minimum experience in managing complex accounts with good credit rating.
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