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  • Posted: Dec 13, 2019
    Deadline: Dec 26, 2019
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  • Standard Chartered Ghana is a banking and financial services company in Ghana, and an 80% subsidiary of Standard Chartered. They are listed on the stock index of the Ghana Stock Exchange, the GSE All-Share Index. Operating since 1896, it is one of the oldest companies in Ghana.


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    Credit Analyst

    The Role Responsibilities

    • Interact with the client, gather deal requirements, financial statements and other inputs required to perform 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
    • Obtaining all pre-deal clearances like ER negativity, segmentation etc.
    • Preparing and presenting work-shopping note
    • Expediting approvals
    • Responsible for end-to-end BCA process including preparing all the tools including scorecard, 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 country portfolio standards checklist, other special reporting requirements
    • Liaise with GAM credit for limit approval and allocation
    • Seek necessary approvals for excesses in an account.
    • Call reporting after visits, discussions or interactions with client.
    • Assessment of the Client’s competitive positioning within its industry;
    • Discussion of management strength, experience and track record and corporate governance more broadly;
    • Articulation of the Client’s strategy and an assessment of its clarity and associated execution risks;
    • Assessment of balance sheet strength, alongside cashflow and profitability vulnerability, via ratio analysis and/or stress testing;
    • Discussion of other pertinent risk aspects, including country risk, parental and/or governmental linkage/support, relative ranking of indebtedness;
    • Evaluation of risks associated with particular proposed transactions, where required;
    • Ensure use of appropriate calculator in alignment with Credit Policy for relevant approvals (e.g. Raptor, Group Aggregation Calculator);
    • Complete ESRA (Environment and Social Risk Assessment) Checklist;
    • For Cat 2 lines, complete Financial Markets Appropriateness and GWWR Attribute checklist;
    • For Cat 2 lines, Credit Term Sheet updates based on RM/Risk/MDU feedback;

    Post Deal Account Management & Monitoring

    • Monitor quality of the portfolio by tracking Excess/Past dues, strictly complying with EAR, ASTAR, CART processes, etc
    • Monitor Risk Triggers, Covenants and other credit conditions and report appropriately.
    • Ensure Zero BCA overdues
    • Liaise with credit on BCA and other credit issues and ensure quick turnaround on credit queries.
    • Maintenance of Credit files and ensure Audit Ready at any time
    • Attend portfolio calls with RM
    • In partnership with RM, ensure timely identification of accounts to be put on EAR as per the bank’s policies and guidelines.
    • Obtain quarterly/annual/interim financials from client
    • Prepare specific industry study
    • Prepare timely Stress Tests when required.
    • In partnership with the RM, approve TAS requests as per the bank’s policy (only FI specific)
    • Prepare Credit Opinion reports wherever required
    • Prepare RFA for transferring to GSAM
    • Effective use of Creditmate and Workbench
    • Accountable for the credit quality of the assigned/acquired portfolio
    • Credit stress testing
    • CCC Certification

    Preparation of other analysis as directed by the relevant Team Leader, such as Industry specific reviews, portfolio reviews, assessments of new prospects etc.

    Stakeholder Partnership

    In respect of Clients where the role-holder is assigned as analyst:

    • Proactive monitoring of key entity or industry wide events and/or developments, as well as of covenants and risk triggers where applicable;
    • Partnering Relationship Managers in pursuing their client strategies through proactive idea generation, support in preparing materials for client discussion and through ensuring they are always fully briefed on key risk aspects;
    • Partnering Risk through clear presentation of credit analysis and proposed credit grading, as well as through proactive and considered discussion of key risk aspects;
    • Accompanying Relationship Managers on client visits, as part of general due diligence in respect of credit analysis;
    • Acting as a broader point of expertise in respect of credit aspects with Product and others across SCB.

    Team Development

    • Support CA Team Leaders and others in the team on ad hoc projects, strategic initiatives and exercises aimed at improving or enhancing the team’s activities;
    • Continually strive to share key relevant knowledge and learnings with others across the team;
    • Provide credit specific coaching to newer or less experienced members of the team

    Key Stakeholders

    Internal Relationships:

    • GAMs, RAMs, FAMs;
    • Credit
    • RM/CCM
    • Other stake holders (FM/TB/CA/CRC, etc)
    • Product partners;
    • CDD, where relevant;
    • Legal, Audit and Compliance, where relevant;

    External Relationships

    • Clients;
    • Rating Agencies;
    • Market Data Services providers

    Our Ideal Candidate

    Key Requirements

    • Analytical strength – to spot emerging risks, forward-looking industry trends;
    • Gravitas – to engage with Relationship Managers and Clients alike, can challenge in a constructive manner;
    • Collaborative – to work in partnership with stakeholders to ‘get things done’, fulfilling the Job Purpose

    Experience & Skills

    • Minimum of 2 years’ relevant experience gained either in banking, treasury or accounting environment;
    • Strong analytical ability focused on the assessment and calibration of credit risk;
    • Able to hold credible dialogue at all levels of the organisation, as well as with clients;
    • Well organized, able to multi-task and balance competing demands

    Educational Qualifications

    • Graduates / Graduate calibre.
    • Sound knowledge of accounting and financial principles gained by experience or qualification.
    • MBA or CFA qualifications advantageous, but not required.
    • Relevant language skills advantageous, but not required.

    go to method of application »

    Analyst, Accounts Payable

    The Role Responsibilities

    Indexing and Processing:

    • Index and process all payment requests received from spokes (Local Currency Payment, Foreign Currency Payments, Cross Border Recharges, Staff claims) timely. Urgent payments should be prioritized at all times.
    • Complete processing of daily volumes as assigned within the team.
    • Ensure that repairs and rejects are despatched within the assigned time.
    • High level of processing accuracy. Operational losses to be nil.
    • Ensure Customer Satisfaction and Complaints to be at the bare minimum level.
    • Ensure invoices/documents are thoroughly verified with adequate approvals wherever applicable.
    • Ensure staff account setups/amendments instructions are carried out timely.

    Controls and Reconciliations:

    • Be familiar with the Financial Control Policy and notes as well as all other policies applicable to Accounting Operations
    • Responsibility for daily and monthly reconciliations of Trade Creditors, Receivables, Online Suspense, Payment System, Intersystem’s accounts to ensure integrity of the balances in the Transaction Processing systems.
    • Integrity of data in the Bank’s General Ledger.
    • Maintain accuracy and integrity of all processing and static data.

    Functional Coordination:

    • Resolve mailbox queries/phone queries from countries within the assigned time.
    • Duplicate, Rejection, Non e-Procurement processed, Purchase Order Overridden, Outside Staff Claims Processed, Pending Credit Notes, SLA Misses, Pending Payments, Errors, Customer Complaint and Delegation of Authority breach should be highlight to the Manager promptly.
    • All the appropriate trackers are being maintained on a consistent basis.
    • In case of any Turnaround Time miss or and wrong payment, reports same to Manager immediately.

    Generic:

    • Managing assigned tasks professionally and efficiently.
    • Behave in a way that reinforces the trust of customers, clients, employees, regulators, shareholders and communities, and uphold Group Standards, to ensure regulatory requirements are achieved.
    • Any other job assigned by Head, Accounting Operations.

    Our Ideal Candidate

    • University degree with 2 years experience in a medium size organisation.
    • Knowledge of Accounting Software and general high level of computer literacy
    • Understanding of business computing environment
    • Good communications and interpersonal skills 

    Method of Application

    Use the link(s) below to apply on company website.

     

  • MYJOBMAGGHANA.COM
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