Job Title: Credit Subject Matter Expert (Credit Coach)
Job ID: 10758
Location: Lagos, Nigeria
Company: Stanbic IBTC Bank Plc
Parent Company: Standard Bank Group
Sector: Banking and Finance
Position Description:
•The ideal candidate should be a credit professional responsible for providing subject matter expertise and development on credit risk, with a prime focus on Standard Bank Africa, Personal and Business Bank.
•Supporting the delivery of a Credit accreditation / Certification process.
•This role is critical in terms of developing the partnership between Credit & Sales; driving sales, improving turnaround times, reducing reworks and improving overall credit capability.
Required Skills and Qualifications
Knowledge:
•B.Sc in any Social Science course. Additional qualifications will be an added advantage
•Comprehensive technical credit skills with an ability to deal with top end Commercial lending proposals
•Good business awareness and specific industry awareness
•Detailed knowledge of risk management policy, procedures & pricing
•Working knowledge of credit products in Personal and Business Banking
Experience:
•Proven track record in the successful delivery of credit risk management (having held a Delegated Authority with a mandate of approximately R10m)
•Experience in a Relationship Management role, preferably in the Commercial Banking Sales environment
•Facilitated Learning and Development interventions
•A demonstrable record of having developed others using a coaching approach
Key Performance Indicators:
•Reduced number of AFF reworks
•Improved turnaround times for credit applications
•The number of quality credit certifications achieved within agreed timescales
•Contribution to the generation of sales income through involvement in credit applications/deals
•A high level of customer satisfaction from stakeholders on the standard of SME support delivered
•A high level of customer satisfaction in the standard of delivery of local development interventions
•Maintenance of a robust recording system for credit quality and progress towards accreditation
•Delivery of development activity as agreed with Business Heads.
•Monitor progress to certification through provision of MIS and feedback to Credit Capabilities and appropriate Business Partners.
Important Relationships
•Internal relationships: Network and negotiate with stakeholders including Retail Banking Sales and Credit Directors, Regional Centre colleagues, and Learning & Development.
•External relationships: Network with Credit and Learning & Development professionals to share developments, best practice and actively promote Standard Bank Credit SME activity , external vendors involved in local credit development interventions
Personal Competencies:
• Skilled in people development with an ability to adopt a facilitative approach
• Independent self starter able to operate without regular supervision and direction
• Approachable and able to build effective working relationships with colleagues
• Strong negotiation and influencing skills
• Communications (written and oral) and presentations
• Excellent verbal and written communications skills to explain and interpret credit concepts and business information.
• Ability to establish and maintain good relationships with colleagues at various levels of seniority.
• Ability to obtain and sustain credibility and influence
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