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2 JOB OPPORTUNITIES AT STANBIC BANK- KENYA




DETAILS 

POSITIONS : 2
EMPLOYER: STANBIC BANK 
DUTY STATION : NAIROBI, KENYA


ABOUT STANBIC BANK 

We are proud to be part of Africa’s largest banking group by assets, Standard Bank Group.  Our operations in KENYA empower the financial success of both the people and businesses that bank with us.

We help clients flex their financial muscles, from banking and borrowing to saving and investing.

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2 JOB OPPORTUNITIES AT EQUITY BANK- KENYA


ABOUT THE VACANCIES 

1. BUSINESS SUPPORT AND RECOVERY MANAGER 

OVERALL :
Risk Management: Understanding all risks – from the economic to the political – that could affect our global business, and offering guidance to all parts of the bank

PURPOSE OF THE JOB:
To identify, manage and provide advice in connection with Personal and Business Banking distressed and defaulted exposures in terms of the Business Support & Recovery (BS&R) Mandate

DUTIES:
▪︎ Responsible for management of NPL names (primary responsibility) with decisions approved through Ad-hoc and monthly NPL committees. Act as key account liaison to deal with queries and issues from Relationship Managers, Risk, Operations and Collateral Teams as well as with external professionals such as valuers, auctioneer’s, lawyers, receivers etc. on matters relating to Non-Performing Loans
▪︎ Along with the relevant Relationship and Credit Managers, assess clients/accounts in order to manage risk and limit exposure over the short, medium and long-term.
▪︎ Assess counterparties, the current security position and where appropriate take additional security. Participate and sometimes lead Rapid Risk Reviews in order to identify potential watch list and non-performing loans early.
▪︎ Oversee the drafting of sound legal documentations and scrutinise agreements including but not limited to facility agreements, consortium agreements, security sharing agreements and mortgage charges, in accordance with set risk parameters.
▪︎ Responsible for advising Personal and Business Banking on performing loans showing signs of distress (Watchlist names). Executed through Portfolio Rapid Risk Reviews and Watchlist Committees. Provide recommendations to improve business and banking risk and enhance customer relationships to Business and Credit Teams. Brief Heads of Business to enable them to lead negotiations with watch listed names.
▪︎ Responsible for recommending impairment requirement (provisions) to CRMC and PBB Specific Debt Provisioning Forum. Ensuring internal, IFRS, and regulatory provisioning requirements are met.
▪︎ Responsible for collecting and maintaining loan loss data. Database updated as and when exposures change, or material recovery event occurs.
▪︎ Develop and implement solutions for credit recovery on accounts in order to secure debt, stabilise accounts or turnaround where possible.
▪︎ Be involved and influence client visits and negotiations to manage credit recovery processes including restructure and or renegotiation of facilities.
▪︎ Provide advice to various stakeholders on credit recovery and liquidation / receivership processes.
▪︎ Document and communicate relevant decisions to all relevant stakeholders.
▪︎ Assist with relevant reporting returns and provide advice on these where required.
▪︎ Conduct in-depth research on relevant accounts, applying banking, legal and credit knowledge where applicable.
▪︎ Participate in industry initiatives from time to time

ESSENTIAL QUALIFICATIONS:
▪︎ Degree in Business Management or equivalent.
▪︎ 3-7 years banking experience. Credit experience preferable.
▪︎ Keen interest in building a career in BS&R

KNOWLEDGE AND SKILLS REQUIRED:
▪︎ Specialist knowledge - Demonstrates a clear understanding of the role BS&R should perform within PBB and must be able to provide direction and strategic thinking where appropriate in relation to distressed and defaulted exposures.
Sound business savvy and banking knowledge around:
  • accounting and financial principles
  • generally banking
  • corporate banking
  • Legal principles related to lending and collateral rights
  • And ability to translate and apply this knowledge to optimise positive outcomes.
▪︎ Risk Management - Understands and manages strategic and operational risk including understanding and conforming to the relevant processes and procedures within BS&R & PBB.
▪︎ Competencies required in delivering accurate and relevant results and assessing risk including attention to detail, delivery of accurate and relevant research, proactive and timely delivery of requirements, ownership of problems, understanding of impact of non-delivery and sub-standard performance.

APPLICATION PROCEDURE:



2. SENIOR ANALYST- SCORED LENDING

OVERALL:
Risk Management: Understanding all risks – from the economic to the political – that could affect our global business, and offering guidance to all parts of the bank.

PURPOSE OF THE JOB:
▪︎ To source and transform data into information as input into effective credit portfolio insights and analytics for allocated PBB products/segments for the credit lifecycle for scored lending (e.g. originations, account management, collections) in line with PBB objectives.
▪︎ To automate relevant production reports to improve the reporting, data extraction and information preparation processes.

DUTIES:

Business Requirements
▪︎ Sources appropriate data and prepares meaningful and accurate management information (MIS) for allocated portfolios to support Business, Operational, Credit and Finance Reporting.
▪︎ Collects and collates the appropriate data for report generation.
▪︎ Conducts in-depth analysis of user needs and prepares the appropriate reporting where required (based on urgency and priority)
▪︎ Executes all new reporting requirements.
▪︎ Provides the necessary big data where required based on business requirements.
Data Transformation and Reporting
▪︎ Validates data accuracy by performing standard reconciliation – remediates any data discrepancies or escalates for assistance where required.
▪︎ Optimises current reporting processes and provides input into the development of reporting processes to meet timelines.
▪︎ Automates relevant production reports to improve the reporting, data extraction and information preparation processes through using appropriate scheduling toolsets.
Reporting and Analytics process
▪︎ Extracts, stores, manipulates, processes, analyses and provides information for standardised and bespoke reporting.
▪︎ Continuously monitors and tests processes and data to detect errors in order to improve reporting efficiencies.
▪︎ Interprets data into information following collation of large sources of disparate data.
▪︎ Writes SAS/SQL coding in line with reporting requirements and as far as possible implements automated scheduling.
▪︎ Adheres to timelines for new and existing reporting requirements.
▪︎ Stays abreast of all changes of how the Customer Decision Engine (CDE) works to qualify and non-qualify customers for lending limits.

Trend Analysis
▪︎ Analyses portfolio trends and any changes thereof followed by a detailed investigation to determine the root cause – extracts the relevant account level data as input into portfolio reporting.
▪︎ Identifies and highlights data quality issues that affect the accuracy of insights and analytics.
▪︎ Keeps up to date with insights and analytics best practice to ensure new and improved designs and products provide improved value to stakeholders.
▪︎ Identifies and reports any portfolio risk appetite breaches across the countries.
▪︎ Prepares reports on ROE portfolio performance.
▪︎ Reconciles all the daily/weekly/monthly reporting outputs and resolves any issues identified (such as operational issues).

Governance
▪︎ Adheres to approved toolsets when setting up portfolio management reports.
▪︎ Adheres to data governance principles as prescribed by the Enterprise Data Office (EDO).

Knowledge sharing
▪︎ Upskills country stakeholders on principles of data extraction, transformation and visualisation.
▪︎ Shares knowledge and information on data coding with the Country and Head Office Teams.
▪︎ Tracks usage of measurement tools created.

Stakeholder Management
▪︎ Proactively communicates the progress of delivery of reporting requirements, where necessary.
▪︎ Discusses and negotiates timelines on reporting requirements (as it pertains to data) whilst ensuring regular standardised monthly requirements are still delivered (i.e. data extraction, manipulation and visualisation) and seeks line management approval where required if SLA’s could be breached.
▪︎ Manages and resolves escalated queries regarding data anomalies that are detected that impacts accuracy of reporting.

ESSENTIAL QUALIFICATIONS 
▪︎ A degree in business commerce or risk management or degree with a statistical focus e.g. BSc. SQL/SAS/Qlik proficiency is essential.
▪︎ 3-4 years experience in credit data analytics within a personal and business banking environment with specific focus on the credit life cycle.
▪︎ Experience in (preferably credit) data exploitation and business intelligence development and implementation.
▪︎ Experience in the extraction, transformation and visualisation of data using bank approved toolsets e.g. SAS / SQL / Python / Qliksense.

KNOWLEDGE AND SKILLS REQUIRED:
▪︎ Behavioural Competency
▪︎ Interpreting Data
▪︎ Examining Information
▪︎ Checking Details
▪︎ Documenting Facts
▪︎ Team Working
▪︎ Completing Tasks
▪︎ Meeting Timescales
▪︎ Understanding People
▪︎ Interacting with People
▪︎ Exploring Possibilities
▪︎ Producing Outputs
▪︎ Taking Action
▪︎ Upholding Standards

APPLICATION PROCEDURE



PLEASE NOTE:
All our recruitment and selection processes comply with applicable local laws and regulations. We will never ask for money or any form of payment as part of our recruitment process. If you experience this, please contact our Fraudline on
+27 800222050 or forward to TransactionFraudOpsSA@standardbank.co.za

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