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Wednesday, July 11, 2018

Nafasi za Kazi Credit Analyst (Commercial Banking) & Branch Sales and Service Executive (Mwanza) - Standard Chartered, Tuma Maombi Yako Mapema

Credit Analyst (Commercial Banking)

About Standard Chartered We are a leading international bank focused on helping people and companies prosper across Asia, Africa and the Middle East.
To us, good performance is about much more than turning a profit. It's about showing how you embody our valued behaviours - do the right thing, better together and never settle - as well as our brand promise, Here for good.

We're committed to promoting equality in the workplace and creating an inclusive and flexible culture - one where everyone can realise their full potential and make a positive contribution to our organisation. This in turn helps us to provide better support to our broad client base.

The Role Responsibilities
1. Origination
• Regular interaction with clients for gathering of requirements, financial statements and other inputs for performing quality analysis and due diligence.
• Work with Relationship Managers & Product Partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.
• Work with the Relationship Managers, in obtaining pre clearance approvals, preparing & presenting business credit application and expediting approvals.
• Responsible for end-to-end Business Credit Application process including preparing all the tools like Raptor, ESRAT, Scorecard, etc, in-depth analysis of various risks, quality presentation and ensuring fast credit approval.
• Ensure compliance of all internal and regulatory credit/other portfolio related policies e.g. preparing the Country portfolio standard checklist, , other special reporting requirements, etc.
• Liaise with various stakeholder outside the country for globally managed accounts

2. Post Deal Account Monitoring
• Monitor quality of the portfolio by tracking excesses/past dues, strictly complying with monitoring and control policy & procedures.
• Ensure timely submission of quarterly portfolio review
• Monitor Risk Triggers, Covenants and other credit conditions and report appropriatel.
• Perform mandatory annual review and Business Credit Application timely and ensure zero overdues.
• Proper maintenance of Credit files and ensuring "audity ready" status at any time.
• Working with Relationship Managers, ensure timely identification of accounts exhibiting stress signs as per the bank's policies and guidelines

Excellent verbal and written communication skills
Our Ideal Candidate

Qualification & Skills
• Degree in Banking/Finance/Commerce or any related field from recognized university
• Master degree or professional qualification (CPA/ACCA/CFA) will be an added advantage
• Experience in credit analysis/appraisal
Excellent verbal and written communication skills
Apply now to join the Bank for those with big career ambitions.



Branch Sales & Service Executive- Mwanza Branch

Introduction 1 Leading the way in International Banking. We support the people and companies driving investment, trade and wealth creation across Asia, Africa and the Middle East. And our heritage and values are expressed in our brand promise – here for good. See our Brand and Values We are currently looking for a Branch Sales &Service Executive to service,deep and sell solutions to branch bound clients while providing the appropriate service standards.
ey Responsibilities
Inbound NTB/ETB sales
• Address walk-in NTB clients' (any segment) sales needs; Pull generated from ATL/online, catchment campaigns, word of mouth
• Activate NTB clients, and set up and educate clients on remote channel usage i.e., online, Client Centre, ATM; Hand over client to Priority or Business Banking Team if required

Inbound ETB Service-To-Sales
• Address walk-in ETB clients' (any segment) sales needs (may be from Service To Sales); Serve client on initial request and broaden to Next Best Conversation based on ETB analytics
• Direct and educate walk-in clients to use self-serve channels, and handle service requests via low-counters where requested by clients; Actively seek Service To Sales opportunities

a.Listen, explain & sell (in person)
• Understand needs
• Explain respective banking proposition that fits their ingoing need (anchor product)

b.Deep sell (in person)
• Immediately broaden the conversation to include fuller bundle
• Refer to Business Banking Acquiring Team for BC lending needs

c.Prepare, set up, & activate (in person) When required documents are available
• Compile required documents
• Conduct KYC/CDD
• Open account/activate products
• Tag clients to the right segment. Refer respective business clients to BC Banking Team and Affluent to Priority Banking Team

D.Service (in-person)
• Fulfill basic service needs and pass on rest to Client Centre or CSM

Deepening activities a.Listen, explain & sell (in person) Understand needs of walk in clients Explain proposition that fits need (respond to client need and do ‘next best conversation')
• Receive and ensure applications for new Current, Savings, Fixed Deposit and Call Accounts are as per account opening requirement.
• Receive and process applications for personal Loans, personal overdrafts.
• Accept, scrutinise mandates for new accounts
• Receive and process new and renewal applications for Debit Cards and hand over to operations officer for further processing
• To actively participate in branch sales planning to generate branch action plans for meeting/exceeding sales targets.
• To generate new business via local sales promotions, in – branch contacts and contacts with alliances.
• To build and deepen relationship with existing customers
• To maximise cross sell opportunities
• To provide quality, efficient after sales services
• Ensure adequate supply of up to date product brochures.
• Submit Sales Return to vcgm -sd
• Daily updating of the Sales Charts/Branch Manager's Dashboard.
• Carry out the monthly sales tracking.
• Regular visits to customers
• Ensure that Top 200 customers programme is maintained
• Checking FDR transactions, interest rate review, breaking FDR
• Respond to suspicious transactions queries raised by HUB
• Any other duties delegated by the Manager
• Ensure compliance with Group Policy and Standards, local regulations, controls and procedures of the Bank
• Ensure compliance with Guidelines and Procedures on Customer Due Diligence for account opening and ‘Guidelines and Procedures on Cross border account opening referral' issued by Group Business and Operational Risk

Skill Requirement
• Product broadening
• Basic banking products knowledge – CASA, Mortgage, PL, Credit Cards, Simple wealth
• Market and competition knowledge
• Client engagement
• Closing deals
• Client training on digital solutions
• Communication and presentation skills
• Negotiation and objection handling
• Understanding of KYC/CDD principles
Proposition 3 - Career development If you're a bright mind with big ambitions, we'll actively encourage you to fulfil your potential. Thanks to our rich and varied international footprint, we can offer exciting opportunities working across different countries and cultures. Apply Now and take the next step in fulfilling your potential.