Fresh Jobs at Fidelity Bank

Qualification:

• Bachelor’s degree minimum of 2:2, master’s degree, certification in Institute of Chartered Accountants of Nigeria, Chartered Risk Managers Institute and other professional bodies will be added advantage.

Experience:

• Minimum of 5 years on similar role

Reporting Relationships

• Functionally reports to the Group Heads, Administratively reports to the Divisional Head.

Certifications

• Any of the following: ACCA, CRMI, CIBN, PMP, ICAN

Job Objective(s)

• Provide management with up-to-date information and advice on portfolio quality, limits, mix, risk profile and yield.
• Proactively assist in managing risk/exposure for assigned portfolios ensuring compliance with Credit Policy and plans of action.

Duties & Responsibilities

• Track borrowing accounts to ensure that facilities run in line with approved (limits, pricing, turnover covenant, clean-up cycle, expiration, etc.)
• Review exception reports on accounts for escalation.
• Review monthly report on the directorate loan performance for management use.
• Review quarterly report of directorate’s loan book in line with prudential guidelines.
• Review accounts to be placed on watch list for CAC meetings based on observed warning signals / triggers.
•  Review transactions pre-disbursement on selected transactions
• Review inventory to ensure adequacy of product to cover exposure.
• Authorize release of stock after confirmation of payment and/or other conditions are in place.

Experience / Skills

• Must possess high level of integrity and dependability with a strong sense of urgency and results-orientation.
• Experience or knowledge about credit risk management.
• Must have experience monitoring risk and compliance across a group of diverse obligors.
• Good knowledge of Collateral Management of Export Commodities and Oil & Gas downstream operations
• Prior experience leading a minimum of 3 team members.
• Must possess deep and practical strategic thinking abilities and robust business acumen.
• Must be detailed yet with a strong appreciation for urgency (when necessary).
• Must possess leadership skills and the capacity to drive team members to achieve set priorities.
• Strong problem solving and creative skills and the ability to exercise sound judgment and make decisions based on accurate and timely analyses.
• Strong and charismatic individual with solid pedigree and experience managing change and building high performing teams.
• Self-assured and internally motivated individual driven to succeed and make a difference.

go to method of application »

Qualification:

• Bachelor’s degree minimum of 2:2, master’s degree, certification in Institute of Chartered Accountants of Nigeria, Chartered Risk Managers Institute and other professional bodies will be added advantage.

Experience:

• Minimum of 5 years on similar role

Reporting Relationships

• Functionally & administratively reports to the Head, Corporate Credit Appraisal.

Certifications

• Any of the following: ACCA, CRMI, CIBN, PMP, ICAN

Job Objective(s)

• Underwriting of corporate credit applications in a timely manner and generate quality report to aid decision making by approval authorities.

Duties & Responsibilities

• Introduce the Bank to the marketplace, meet Assignment of credits to Credit Analysts in the Corporate Appraisal Group.
• Ensure credit requests have complete documents [i.e. financial spreads, evidence of proposed security, contracts – if applicable, etc. – current target of 80% of credits appraised.
• Ensure credit requests are processed in a timely manner-currently within 48-96 hours from submission of complete credit packages.
• Initial response to Relationship Managers on submitted credits – currently within 24 hours of receipt of credit package.
• Ensure credits processed are in line with the Bank’s laid down guidelines on credit as follows:
  • Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
  • Evaluate customer records and compare achieved profitability against initial projections.
  • Confer with credit administration Group to get credit reports where not provided by Relationship Managers.
  • Liaise with Legal Services Division on contracts, collateral documentation, etc.
  • Undertake joint calls with Relationship Managers when required.
  • Analyze financial data such as income growth, quality of management, and market share to determine expected performance on loans.
  • Evaluate Information on credit requests to Determine Compliance with Standards — Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
  • Prepare quality reports [Credit Comments Memorandum] that includes the degree of risk involved in extending credit or lending money.
• Periodic Review of Product Papers.
• Build knowledge of Account Officers and Relationship Managers on the Bank’s Credit Culture, Policies and Procedure.
• Annual Rating of Corporate Bank Relationship Managers.
• Any other duties as assigned by the Head, Corporate Credit Appraisal.

Experience / Skills

• High risk consciousness.
• Good knowledge of Microsoft Excel.
• Ability to pay attention to detail.
• Ability to work under pressure.
• Good knowledge of the Bank’s Banking Software.
• Good understanding of various economic sectors/market dynamics.
• Strong ability to interpret and reconcile accounts.
• High level of independence and assertiveness
• Strong analytical skills.
• Excellent organizational skills.
• Good record keeping / file keeping and documentation skills.
• Excellent interpersonal skills.
• Good written and oral communication skills.
• Leadership and Managerial skills