Latest Job Adverts
CREDIT EVALUATION MANAGER – CORPORATES |
Investrust Bank plc |
Advert
Posted 2019-03-19 03:46:46
Investrust
Bank Plc is looking for a suitably qualified, vibrant and self-motivated
individual to fill the position below that has fallen vacant under the Credit
Department.
Position
title: Credit Evaluation Manager – Corporates
Location: Lusaka, Head Office
Reporting to: Head Credit
DUTIES/RESPONSIBILITIES:
1. Evaluate whether credit
proposals and applications meet sound business criteria, and whether
counter-party credit risk falls within acceptable parameters which create
profit / value as well as the associated risks.
2. Proactively drive the review
process of existing facilities, ensure a consistent thorough and timely
evaluation of all existing facilities.
3. Oversee the loading of
counter-party information (i.e. review dates, new risk grades, interest rates,
standing orders etc.) and limits relating to the approved Credit Application.
Ensuring that the above information is at all times correct and current. Where
discrepancies/ irregularities are evident, corrective action is to be taken
without delay.
4. Actively participate in the
Early Warning List Committee meetings
5. Sign-off for permanent release
of the security documents.
6. Ensure timely and quality credit
assessments and decisions are made.
7. Assess pay/ no-pay motivations
(Daily Referral reports) and take credit decisions.
8. Manage adherence to the internal
service level agreements.
9. Visit clients with the
Relationship Manager, where appropriate.
KNOWLEDGE,
SKILLS AND ABILITIES
1. Clear verbal and writing ability
for explaining and interpreting financial data and business information.
2. Ability to collate and compile
appropriate sets of financial and business information to quantify and evaluate
the risks and benefits of a business proposal.
3. Ability to establish the risk
profile of a counter-party and incorporate contextual industry risks in a
credit application.
4. Ability to analyse a credit
applications’ risk and benefit parameters, and present a sound business
justification for the requested facility.
5. Ability to recommend appropriate
risk parameters in respect of specific facility structures within which clients
will need to operate to contain risk at acceptable levels.
6. Knowledge of financial markets
and the economic environment.
QUALIFICATIONS
AND EXPERIENCE
1. University Degree in Commerce,
Accountancy or a related field/
Professional Accounting Qualification
2. At least 3 years banking
experience within Corporate and/or Business
Banking Credit.
3. Exposure to the Banks’ lending
policies and procedures.
4. Exposure to the banking
procedures/ branch experience.
Applications
and CVs should be emailed to: recruitment@investrustbank.co.zm
Not
later than April 3rd, 2019.