Collateral Monitoring Unit Manager Jobs in Gaborone at Stanbic Bank

Ensure that the Bank’s need to provide adequate controls over the risks encountered in the pre and
post credit granting stage of the credit process are satisfied by verifying key documents and
maintaining tight control over physical stock counts, warehousing inspection and monitoring key
distributors in line with approved parameters.

Job Purpose

The purpose of this role is as follows;


. Annual assessment and review of Risk Appetite for trade products aligned with Market
demand.
. Deal structuring through engineering the end to end process flow of the trade finance custom
designed solutions from a credit enhancement stand point.
. Status reporting to provide assurance to management on the potential structural gaps in
clients Structured Trade Finance business models.
. Offering Business Advisory when negotiating Collateral Management and Stock Monitoring
contractual agreements. Liaising with external agents’ e.g. warehousing/collateral agents etc;
on behalf of the Bank and act as a checker on their activities in line with executed service
agreements. Reports will be duly provided for such activities.
. Capturing business rival intelligence and regulatory dynamics to reinforce our competitive
edge by having insight into local and international trends. Giving informed advise on price
trends based on well researched data, market insights and network sources.
. Provide leadership in the commercialization and utilization efforts.

Key Responsibilities/Accountabilities

The responsibilities of this role are as follows;

. Undertaking periodic and ad hoc visits / spot checks to review clients operations and provide a
comprehensive status report as stated in approved sanctions, which must include
identification of potential structural weakness in clients operations.
. Assisting vet and giving input on transactional contracts and also giving guidance/input when
negotiating CMA/SMA agreements to best protect the bank and from a best practice
standpoint.
. Tracking daily/monthly collections from key distributors under the various approved schemes
to forestall any possible diversion of sales proceeds.
. Daily / monthly review of account performance viz-a-viz terms and conditions of approval and ensure strict adherence.
. Verification of documents and information in day to day work as delegated by account
management or credit evaluation in line with approved turnaround time.
. Diarising and following up on conditions of sanction /covenants as it relates to the CMU
function.
. Refer / Escalate / flag up problematic or irregular accounts (inappropriate payment patterns,
failure to meet turnover covenants e.t.c) to account management for inclusion in monthly
watch list.
. Maintaining a proper monitoring system and ensure that the data set is complete and
accurate.
. Designing reports that addresses the tracking and measurement of agreed account
performance criteria.

Preferred Qualification and Experience

The preferred qualification and experience of this role are as follows;

University Degree in a Business field or equivalent. Additional qualifications will be an added
advantage.

 Experience

Minimum of 5 years experience in a banking environment preferably with a risk management
background.

Knowledge/Technical Skills/Expertise

The required knowledge/expertise of this role are as follows;

. Sound knowledge and understanding of credit criteria, credit policies, risk and financial
analysis, credit control and the application thereof
. Thorough working knowledge of the operating system and its related procedures, for
analyzing the account behaviour of clients.
. Thorough understanding of all the bank’s product and facilities that give rise to counterparty
credit risk.
. Understanding terms of the facilities and any conditions and covenants that will need to be
complied with over the duration of the facility’s life.
. Have/or able to build good knowledge base on target Markets/Sectors/Commodities, their
workings and dynamics, who the market makers are.
. Good understanding of trade finance, related regulations and policy standards and best
practice e.g. UCP600, URC 522 etc, capable of handling transactional trade documents.
Collateral Monitoring Unit Manager