Lending Operation Manager AT Standard Chartered Botswana

Job Description
	Reports Directly to Head of Banking Operations Direct Reports •Credit Documentation Manager •Credit Administration Manager •Loan Processing Manager •Repayments Manager •Credit Cards and Insurance Manager Job Purpose •To effectively manage the bank’s consumer loan book by coordinating all activities pertaining to Loan disbursements, loan administration, reporting, and securing documentation for all borrowing relationships •To provide operational support and continually review and align all activities with various bank strategies in order to achieve the most effective profitable operations and minimal risk •Assist Business Unit Head and Risk Officer is driving and directing effective compliance and operational risk management at the business unit level •Implement controls within the business unit to meet all regulatory and internal requirements •Ensure proper functioning of day to day, periodic monitoring activities and timely resolution of risk issues Key Responsibilities •To effectively provide all operational support functions to consumers •To continually review process for re-engineering and cost saving benefit in Lending Operations and maintain internal control to an effective standard and update the departments operating instructions •Maintain a good working relationship between various business units and Lending Operations •To ensure that the instructions and commitments laid down in the unit’s operations manual are met •To ensure at credit administration and loan documentation are correct prior to drawdown of facilities thereby protecting the bank  from possible financial loss •To ensure all securing documentation deficiencies are resolved correctly waived prior to issuance of security compliance certificates and draw downs •To ensure the best service is obtained from the banks outsourced activities within policy and budget •To maintain and update the unit’s departmental operating instructions in accordance with audit and internal control in a format consistent with group objectives •To ensure that credit facilities are established as approved at the level of approval •Manage the production and extradition of data used for reporting and preparation of the key control standards and key risk indicators •Manage provision of services, service levels, and turnaround times from the shared service centre •Resolve queries timely to provide the highest level of quality service to customers •Manage relations with all critical links to ensure a smooth operations and provision of service •Manage the relationship between Lending Operations and critical links (Branches, Integrated Distribution, Call Centre, Credit, Relationship Managers) both internally and externally •Work closely with product development teams and marketing to develop new and enhanced products •Set stretching standards to monitor and measure performance of staff in the department to ensure optimal productivity and high quality of service, interpret statistical data, and take remedial action •Proactively manage all reconciliation of suspense accounts related to Lending Operations transactions and ensure outstanding items are cleared within minimum time and accounts balanced regularly •Proactively manage and ensure your staff is knowledgeable on money laundering and CRM and that they are able to detect transactions which may be carrying symptoms of money laundering risks •Ensure you remain alert to the risk of money laundering and assist in the bank’s efforts in combating it by adhering to anti money laundering principles in relation to identifying customer, knowing your customer, monitoring of accounts, reporting suspicious transactions / unusual activities. Safeguarding records and not disclosing suspicions to customers •As a DCC for Lending Operations, coordinate / guide and direct all works including reviews of BCP and BIA as per Group contingency policies Contributes to •Enhancement of the bank’s image by responding positively to consumers’ needs •Maximizing income contribution to the bank and the Group as a whole Knowledge, Experience, and Capability •Thorough knowledge of the bank’s products, Policies and Credit Practices •Change driven, ability to flexible working demands and adaptation to complex nature of the business environment •University Degree + 5 years banking experience or Bankers Institute Qualifications with a minimum of 5 years banking experience •Good interpersonal relationships and communication skills •A good understanding of banking operations, practices and procedures •Knowledge and understanding of the various credit products and programmes •Project management skills and computer literacy in all MS applications •Good knowledge and fair use of the banks operating systems •Good credit administration skills •Process re-engineering oriented •Good communication and public relations skills with all levels •Good knowledge of bank products and services •Good working knowledge of local requirements for perfection of security documentation •Good people management skills •University degree or equivalent •Excellent at identifying and resolving problems •Good negotiation skills
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	Diversity & Inclusion
	Standard Chartered is committed to diversity and inclusion. We believe that a work environment which embraces diversity will enable us to get the best out of the broadest spectrum of people to sustain strong business performance and competitive advantage. By building an inclusive culture, each employee can develop a sense of belonging, and have the opportunity to maximise their personal potential. APPLY