Credit Analyst - Underwriter Job at Standard Chartered Bank Plc

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Job Title: Credit Analyst – Underwriter

Job ID: 350372

Location: Nigeria

Organisation: Standard Chartered Bank Plc

Sector: Banking and Finance

Job Description:

•   Appraising all Retail Lending loan applications & decisioning (approve/decline).

•   Monitoring the Portfolio to ensure a healthy portfolio is maintained thereby contributing to overall Consumer Bank goals and objectives

•   Maintaining all necessary MIS/ reports required for portfolio management

Key Roles & Responsibilities:

•   Under writing all lending asset products/ approving those within delegated lending authority and securing approvals for those above my delegated lending authority.

•   Preparation and timely submission of required CI MIS/reports

•   Ensuring Lending Assets for approvals are within PDD parameters and level 2 and 3 approvals minimized

•   Appraising Lending Risk Assets Applications and subjecting them to credit analysis identifying potential risks and advising Loan Center Managers of corrective action to be taken to minimize credit losses.

•   Ensuring Lending Risk Assets have been approved at correct levels and are in conformity with Credit Policy

•   Constant liaison with Loan Center staff  to ensure irregularities are rectified and correct procedures are being followed in terms of Group requirements

•   Preparing accurate MIS reports on a daily, monthly and quarterly basis

•   Progressively improving MIS & Reporting.

•   Ensuring the money laundering prevention measures under the Group Policy and Standards are in place and being implemented.

•   Monitor local national and international economic, legal and regulatory developments which impact on risk and lending policies. Interpret to the best judgment. the influence of these indicators on the quality of the Lending Risk Assets portfolios

•   Exercise prudent risk aware judgement in use and application of own lending limits

•   Directly monitor account limits and excesses and ensure there is minimal risks

•   In liaison with Credit Services, continuously review credit processes and procedures and ensure that work flow is consistent with credit approvals to achieve high portfolio standards in Consumer Banking.

Qualifications & Skills:

•   University degree background  (credit  risk management experience will be an advantage)

•   Good understanding of local market and consumer banking credit  in general

•   Possess an eye for detail

•   Good analytical skills

•   Good interpersonal skills

•   Good communication skills

•   Good financial and MIS skills

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Credit Analyst - Underwriter Job