Manager Account Management at Stanbic Bank

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.