Standard Chartered Bank Job Vacancy in Kenya : Assistant Relationship Manager, Commercial Clients

	Job Description
	 Primarily responsible for managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.  Closely work with the RM from the origination & play a vital role in deal structuring to add good value from a credit/policy perspective.  Work with the RM on a specified portfolio and facilitate revenue growth in the portfolio.
	Key Roles & Responsibilities
	Origination  Interact with the client, gather deal requirements, financial statements and other inputs for performing quality analysis and due diligence.  Work with RM /product partners in structuring credit solutions for the clients and ensuring the appropriateness of the products.  Work with the RM, in a) obtaining pre clearances where applicable like ER negativity, segmentation, etc. b) preparing & presenting work-shopping note and c) expediting approvals.  Responsible for end-to-end BCA 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.  Coordinate and prepare for GCC meetings for cross-border related transactions.  Liaise with GAM Credit for limit approval/allocation. Release the trade offerings in Magellan under the delegated Authority from the Segment Head, after obtaining the necessary approvals.  Seek necessary approvals for excesses in the account. Post Deal Account monitoring  Monitor quality of the portfolio by tracking Excess/past dues, strictly complying with ASTAR, EAR processes.  Ensure timely submission of quality Quarterly Credit Reports  Monitor Risk Triggers, Covenants and other credit conditions and report appropriately  Ensure Zero BCA over dues.  Liaise with Credit on BCA and other credit issues and ensure quick turnaround on queries.  Proper maintenance of Credit files and ensuring Audit Ready at any time  Attend EAR/Portfolio call/MTM calls along with the RM  In partnership with the RM, ensure timely identification of accounts to be put in EAR as per the bank’s policies and guidelines Others  prepare timely Stress Tests wherever required  Prepare specific industry study wherever required  Prepare Credit Opinion reports wherever required.  Effective use of Creditmate & RMWB  Oversight role for training and directing analysts Monitoring and Controls  Keep a vigil on the Portfolio Monitoring Reports/ Credit Monitoring processes & ensuring that laid down procedures/policies are complied with. Any deviations to be escalated to Unit Head/Head Credit & Operational Risk Controls/Credit.  Oversight on EAR/ASTAR process: A proactive approach to identifying EAR accounts – No sudden slippages into GSAM.  Ensure and remain alert to the risk of anti-money laundering/sanctions and assist in the Bank’ efforts in combating it by adhering to the key principles in relation to: identifying our customer, knowing our customer, reporting suspicious transactions, safeguarding records and not disclosing suspicions to customers.  Maintain credit files curled and updated with all the credit documents. AML Ensure you remain alert to the risk of money laundering and assist in the Bank’ efforts in combating it by adhering to the key principles in relation to: identifying your customer, knowing your customer, reporting suspicions, safeguarding records and not disclosing suspicions to customers. Key Relationships External  Clients / Trade associations,  legal firms, Accountants etc Internal  Credit  RM /CSG  Other stake holders (FM/TB/CRC, etc)
	Qualifications & Skills
	Academic : A Degree in Business/Commerce/Economics is preferred however a degree in a science or other related field where analytical skills are gained is acceptable. Training : Initial stages of Standard Chartered Bank’s Credit Skills Assessment Programme (CSAP). Professional : ACIB/CPA/CPS qualifications are an added advantage. Experience: 2 -3 years Credit Analysis partnering Corporate or Business Banking RMs

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