Job description: Citi Commercial Bank – Commercial Lending Management – Credit Officer, Healthcare/Not for Profit Vertical – Vice President

Description

Citi’s US Commercial Bank (CCB) is a rapidly growing business, targeting emerging, mid- and larger-sized companies with annual revenue generally from $50 million to $3 billion. To facilitate the CCB’s wholesale lending activities, Commercial Lending Management (CLM) serves as an in-business credit function organized around our strategic industries and global target market approach. CLM plays a critical role of the client delivery model for the CCB, translating thought-leadership, industry and product expertise, and an end-to-end ownership of the credit relationship into best-in-class lending solutions. We are seeking a dynamic and motivated credit professional to join the US CLM Healthcare/Not for Profit team. The position will be based in Irving, Texas or New York City.

The CLM Credit Officer facilitates the end-to-end lending process for a covered industry vertical through a team of credit professionals. CLM is essential for the delivery of a wide range of financial solutions to Citi CCB clients, working in direct partnership with Relationship Managers and Independent Risk, to execute on the firm’s and client’s business objectives. This can include working capital solutions, term loans, treasury and liquidity management services, foreign exchange, trade finance and interest rate derivatives. The primary responsibilities of CLM include credit underwriting, due diligence, structuring and documentation, and portfolio monitoring. As part of the business and in direct partnership with relationship coverage bankers, CLM teams provide thorough, objective analysis of the financial condition and credit worthiness of borrowers, including prevailing covered industry sector and product/market conditions, as well as the appropriate credit structure based on various risk considerations.

The CLM Credit Officer is responsible for approving and managing a material amount of credit risk associated with capital deployed across a variety of lending products appropriate for commercial banking relationships. The CLM Credit Officer is a critical partner in the pre-screening of pipeline opportunities with Relationship Management for assessing credit appetite and identifying key issues, providing structuring input on financing options, driving internal analytical work product and discussions on credit approvals, and maintain ongoing credit oversight of the lending portfolio relationships through quarterly and/or annual reviews along with covenant and other reporting monitoring, as applicable. The assigned industry/specialty vertical requires extensive knowledge of the unique sector/product drivers and key performance indicators to make well-informed credit underwriting decisions and proactively manage the portfolio based on a dynamic environment. The CLM Credit Officer provides sector and sub-segment insights for key internal and external stakeholders, contributes to industry-specific risk and portfolio content, including industry-level portfolio reviews, and leads the credit-specific risk assessments on new originations and portfolio requests.

The CLM Credit Officer role also requires an extensive understanding of various Citi and CCB-specific credit policies, processes, and procedures, and how to apply these concepts consistently in practice, including ensuring the portfolio is appropriately risk-rated and classified, properly secured (if applicable) and that early warning signs are established and proactively addressed. CLM represents a critical “first line of defense” control function for the bank, ensuring the CCB’s credit process is conducted in accordance with all internal and regulatory frameworks, and is responsive to relevant inquiries. The CLM Credit Officer plays an important role in meeting a high standard for owning the work product of their respective portfolio and represent their covered accounts in numerous highly visible forums. A Credit Officer can advise or lead strategic projects for US or Global CLM initiatives and provide critical inputs that direct the future of credit formation within the CCB. Additionally, the CLM Credit Officer identifies, creates and helps to deliver the necessary technical skills training to various teams across CCB to promote the development and application of credit skills, mentoring/managing junior and other support staff.

Key Responsibilities

• Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio
• Knowledgeable of assigned portfolio and industry, and able to articulate and support a credit view based on well-supported analysis that effectively balances risk and business objectives
• Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
• Provide accountability for decisioning using credit covering approval authority in tandem with Independent Risk
• Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
• Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio

• Direct and supervise the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
• Conduct periodic client calls on all portfolio clients and select new to bank opportunities in partnership with the Relationship Manager
• Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
• Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers
• Recommend changes to improve existing processes to achieve greater efficiency and controls
• Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls

Qualifications

• Experienced C13 credit underwriter with a deep and relevant Healthcare and Not for Profit industry expertise, particularly in commercial lending
• 5+ years of experience in credit underwriting, portfolio and/ or risk management with a large multinational financial services organization
• Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process
• Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner
• Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills
• Demonstrates learning agility: Seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations
• Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, takes calculated risks with the confidence to defend their credit view
• Proficient in various spreadsheet and word processing applications
• Bachelor’s degree; advanced degree(s) and other certifications considered but not required

Job Family Group: Risk Management

Job Family: Credit Decisions

Time Type: Full time

Primary Location: Irving Texas United States

Primary Location Salary Range: $114,720.00 – $172,080.00

Citi is an equal opportunity and affirmative action employer.

Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran.

Citigroup Inc. and its subsidiaries (“Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review .

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Expected salary: $114720 – 172080 per year

Location: Irving, TX

Job date: Sat, 13 Jan 2024 05:13:36 GMT

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Job description: Fina Trust Microfinance Bank, a member of LOLC Group with corporate Head Office in Colombo – Sri Lanka, is one of Nigeria’s foremost Microfinance Banks. Its operating license was secured from the Central Bank of Nigeria (CBN) in September 2009 as a Microfinance Bank. Fina Trust Microfinance Bank has built a resounding success on excellent service delivery in a uniquely customer friendly environment through professional staff, leveraging on world-class technology.

We are recruiting to fill the position below:

Job Position: IT Manager
Job Location: Lagos
Employment Type: Full-time

Job Objectives

• Oversees the IT functions of the bank, our ideal IT Manager is expected to have an expert knowledge of the industry best practices and stay up to date with advances.

Primary Responsibilities
Supervision:

• Manage and supervise the bank’s Systems, Network, and Infrastructure
• Align IT infrastructure with current and future business requirements.
• Implement and manage digital innovations.

IT Governance & Security:

• Manage IT Budgets, forecast, and enforce cost- effectiveness deliverables.
• Evaluate risk, develop network recovery and backup process.
• Ensure that IT activities are within the limits of applicable laws, codes, and regulations.

Software Administration & Maintenance:

• User Creations to all the IT systems
• Testing, Troubleshooting and adjusting information systems to operate effectively.
• Implementing security of the network, data and its storage and communication systems
• Provide remote and onsite technical support for end users.
• Communicate with the software vendor regarding software upgrades, CRs, bug fixes etc.
• Review software maintenance agreements against the SLA and take actions.
• Restore backups frequently to check the completeness
• Monitor the application usage and over/under utilization of license
• Identify existing license and over/under usage for all system and application software
• Facilitate software licensing audits
• Manage software project implementations; coordinate with end users and vendor.
• Prepare project plan and manage IT projects.

Hardware maintenance:

• Repair and Maintenance of Hardware
• Coordination with Vendors with regard to hardware issues
• Trouble Shooting & Assistance with regard to computer related Issues onsite and offsite
• Following Up After Sales Maintenance & Warranty Covers.
• Maintain and monitor Service Level Agreements

Skills & Qualifications

• A Bachelor’s Degree in Information Technology, Information Systems or Computer Science is required
• 5 years of work experience.
• Knowledge of architecture processes and performance reports of operating systems
• Strong critical thinking skills
• Ability to assess and recruit top candidates, train new IT staff, supervise and motivate team members for high-performance

Expected salary:

Location: Nigeria

Job date: Mon, 15 Jan 2024 02:04:31 GMT

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Job description: Rand Merchant Bank (RMB), a division of FirstRand Bank Limited, is a leading African corporate and investment bank and part of one of the largest financial services groups in Africa. We offer our clients innovative, value-added advisory, funding, trading, corporate banking and principal investing solutions. We are recruiting to fill the position below:

Job Title: Senior Institutional Sales Transactor
Location: Lagos

Purpose

• To coordinate and direct RMBN’s objective in originating and delivering financial markets products & solutions to institutional clients such as Banks, Asset Managers, Pension Funds, Insurance Companies and DFIs.

Responsibilities
The successful candidate will have the following responsibilities:

• Offering a full spectrum of integrated capabilities to deliver leading market insight, solutions, and execution services to institutional clients across the following asset classes: foreign exchange, interest rate, credit, and commodities.
• Contributes towards the evolution of RMBN’s Markets Sales business to position as best in class and thought leaders in the Nigerian Financial Market.
• Fosters strong internal and external networks across multiple business units to optimize the Markets growth strategy and distribution mandate of the Bank.
• Build and maintain strong working relationships with all stakeholders, displaying excellent abilities to initiate dialogue, listen, advise, influence, and negotiate to achieve win-win outcomes.
• Showing succession capabilities to lead a team and drive strategy formulation.
• End-to-end accountability for delivering and executing of Markets products and solutions to drive RMBN financial performance within the Nigerian Financial Market.
• Identifying opportunities to originate structured deals, across all asset classes and for both external and internal clients, by remaining in touch with client needs and constraints.
• Drive the Markets Division Strategy for Institutional Client Group (ICG) and have accountability for the budgets. Institutional Client Group (“ICG”) is a business unit that is responsible and accountable for institutional clients within RMB.
• Take ownership of the transaction/deal life cycle.
• Championing the visibility of RMBN Markets Division brand in the local and international markets.

Qualifications and Experience
The ideal candidate must have:

• Degree in the relevant course
• ACI
• Master’s/CFA will be an added advantage
• Minimum of 8 years of experience in financial services, preferably banking with a thorough knowledge and experience in fixed income, money markets, and foreign exchange. Structuring would be an advantage
• N.B: In compliance with the National Youth Service Corps (NYSC) Act of 2004, all applicants should ensure that they have completed the mandatory NYSC programme. A discharge certificate will be required as evidence of completion of the programme. Where an exemption has been granted, a certificate of exemption will be required.

Technical Skills and General Competencies:

• Deep Financial Markets expertise and broader solutions knowledge
• Knowledge of the relevant exchange control regulations
• Candidates must demonstrate a keen ‘solutions-driven’ mentality, self-assurance, and confidence.
• Good communication and interpersonal skills
• Market and customer insights
• Strong decision maker

To Apply

Interested and qualified candidates should submit their Applications to: using the Position as the subject of the email.

Anybody asking you to pay money to schedule your interview or offer you job may be a scam

Expected salary:

Location: Nigeria

Job date: Tue, 07 Nov 2023 23:06:08 GMT

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Job description: Polaris Bank Limited is a Tier II Nigerian, private limited liability company, wholly-owned by Strategic Capital… and other financial services to the Nigerian public, we cater to both individuals and corporate entities through carefully designed Retail…

Expected salary:

Location: Nigeria

Job date: Wed, 29 Nov 2023 07:48:49 GMT

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Job description: Kuda is a full service, app-based digital bank. Our mission is to be the go-to bank not just for those living on the African continent, but also for the African diaspora wherever they might live, anywhere in the world. Kuda is free of ridiculous banking charges and great at helping customers budget, spend smartly and save more. We raised the largest seed round ever seen in Africa, and completed a Series A funding round in February 2021, led by some of the world’s smartest venture capital investors. With offices in London (our HQ), Lagos and Cape Town, and further offices opening across Africa during 2021, Kuda is fast becoming recognised as the leading ‘Neobank’ for Africans.

To help us grow into the company that can bring meaningful change to the way people across Africa get access to great financial products and services in order to take control of their personal finances, we are actively looking for bright, talented, driven people who are excited by our mission. If this sounds like a great way to spend your valuable time, then please get in touch with us.

We are recruiting to fill the position below:

Job Position: Head of Credit Risk

Job Location: Lagos (Hybrid)
Employment Type: Full-time

Role Overview

• Join us at Kuda in this pivotal role and be the driving force in shaping and optimizing our Credit Risk strategies!
• We are currently searching for a dynamic Head of Credit Risk to lead the Credit Risk team, spearhead the implementation and execute Kuda’s Credit Risk policies.
• You’ll have the opportunity to drive streamlined collection practices and actively contribute to the development of relevant policies and protocols.
• In addition, you’ll get to ensure precise reporting and strict adherence to Credit product practices within Nigeria.

Responsibilities

• Lead the Credit Risk team, end-to-end strategy roadmap and execution
• Ensure proactive advocacy and steadfast adherence to Credit policies
• Managing a team of underwriters, providing guidance, training, and feedback to ensure consistency and adherence to established underwriting standards
• Spearhead active and compliant collection practices, demonstrating a commitment to regulatory standards and guidelines
• Design Credit policies tailored to the unique dynamics of Kuda MFB in Nigeria
• Build and operate the underwriting function for both consumer and business credit
• Lead the strategic implementation of Credit initiatives within the Nigerian market, aligning efforts with organizational objectives
• Establish, build and actively manage various relationships with external partners.

Requirements

• B.Sc in Accounting, Economics, Banking, Finance and Commerce (or relevant fields)
• 10+ years of experience, with at least 4 years in a leadership position specifically within Credit Risk Management
• Extensive background in financial services or Fintech, underscoring a deep understanding of the industry’s nuances and dynamics
• Solid understanding of Credit regulation within the Nigeria banking industry
• In-depth hands-on expertise in the administration of Credit Risk policies, the Credit underwriting process, Credit Risk scoring methodologies, and precise calculation of unit costs for risk products.

Why join Kuda?
At Kuda, our people are the heart of our business, so we prioritize your welfare. We offer a wide range of competitive benefits in areas including but not limited to:

• Pension
• Group life insurance
• Health insurance
• Competitive annual leave plus bank holidays
• L&D training
• We are advocates of work-life balance and offer a 3-day-per-week remote working option.

Note

• Kuda is proud to be an equal opportunity employer. We value diversity and anyone seeking employment at Kuda is considered based on merit, qualifications, competence and talent.
• We don’t regard colour, religion, race, national origin, sexual orientation, ancestry, citizenship, sex, marital or family status, disability, gender, or any other legally protected status. If you have a disability or special need that requires accommodation, please let us know.

Expected salary:

Location: Nigeria

Job date: Mon, 15 Jan 2024 04:50:55 GMT

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Job description: Alert Microfinance bank is a leading financial service provider with core mandate of providing affordable, flexible financial and non-financial services to MSME Customers.

We are recruiting to fill the position below:

Job Position: Finance Officer
Job Location: Lagos
Employment Type: Full-time

Job Summary

• Finance Officer at Alert Microfinance Bank is responsible for all financial aspects of a business or organization, prepare financial reports, and ensure that all financial transactions are conducted legally and ethically.

Job Description

• Develops and maintains financial systems
• Plans, directs, and controls accounting and financial operations
• Establishes budgets, forecasts future cash flows, provides periodic financial analysis
• Monitors budget performance, expenditure control
• Prepares reports and documents covering accounting transactions for management review
• Ensures that accurate records are kept by standard practices
• Manages invoicing procedures to collect money owed by clients/customers

Requirements

• Minimum of B.Sc or HND in Accounting and Finance related field.
• Minimum of 2 – 3 years of Cognate experience as Finance Manager is a MUST.
• Previous experience from Microfinance Banks and proficient use of Bankone and accounting software E.g Quickbooks, Peachtree, SAP is an additional advantage
• Chartered membership of a relevant professional association, e.g. ACA, ICAN, ACCA. Is an additional advantage
• Proficiency in Microsoft Office package, especially Excel and Word.
• Strong communication, interpersonal and analytical skills.
• Demonstrates ability to identify problems.

Skills:

• Ability to work under pressure, independently and with limited supervision.
• Flexibility.
• Ability to work in a dynamic environment and to multi-task to meet deadlines.
• Promotes team work, contributes towards building team consensus and acts as a team player.
• Consistently approach work with energy and a positive, constructive attitude.

Expected salary:

Location: Nigeria

Job date: Sun, 07 Jan 2024 03:45:28 GMT

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Job description: to help increase financial inclusion of the Nigerian population. We are recruiting to fill the position… below: Job Position: Human Resource Officer Job Location: Lagos Employment Type: Full-time Job Role The primary focus of this role…

Expected salary:

Location: Nigeria

Job date: Sat, 16 Dec 2023 01:35:51 GMT

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Job description: NHS Scotland is committed to encouraging equality and diversity among our workforce and eliminating unlawful discrimination. The aim is for our workforce to be truly representative and for each employee to feel respected and able to give their best. To this end, NHS Scotland welcomes applications from all sections of society.

Who we are:

NHS Ayrshire and Arran is one of 14 territorial NHS Boards within NHS Scotland.

In support of our core purpose of Working together to achieve the healthiest life possible for everyone in Ayrshire and Arran we are committed to a culture that is Caring Safe and Respectful. You will be required to work collaboratively in a safe, caring and respectful way.

To find out more about NHS Ayrshire and Arran please visit our website –

Position:

An opportunity has arisen for a Bank Cook based at Ayrshire Central Hospital.

The main kitchen at Ayrshire Central Hospital provides in excess of 600 patients prepared and cooked meals every day, including therapeutic diets to patients, as well as meal services for the staff and the public. In addition, we cater for and provide hospitality for meetings and functions.

What you will do:

Your duties include the perpetration, cooking and service of meals including any preparation of therapeutic diets when required. Maintaining a high standard of hygiene, recording and monitoring of data for HACCP and the Environmental Health.

For further information on the role please click the link below to view the job description

Knowledge, training and/or experience required to do the job:

You will be an organised person with cooking and kitchen management skills. The ideal candidate must have experience in large scale catering preferably within an NHS environment and hold City and Guilds 706/1 and 706/2 or an S/NVQ qualification along with a Food Hygiene Certificate. You should have the ability to work off your own initiative as well as work as part of a larger team. Good communication skills are also essential.

For further information on the requirements for the role please click the link below to view the person specification

Hours:

As and when required

A degree of flexibility is essential, applicants who wish to be considered, must be available to cover shifts within the department between the hours of 0630 and 1800 including weekends.

Contract Type:

This is a bank post.

Contact:

If you want to find out more about the role, please contact Ross Cameron, Deputy Catering Manager on 01294 323233 or Ross.cameron3@aapct.scot.nhs.uk

ADDITIONAL INFORMATION FOR CANDIDATES

You should apply for this post by completing the application process on JobTrain.

DO NOT upload a CV as this will not be used for shortlisting purposes.

Posts close at midnight on the indicated date. Late applications will not be accepted.

For help to complete an application on JobTrain, please follow this link:

To view our accessibility statement, please follow this link:

Please note that our correspondence method is by email, therefore please ensure you enter your email address accurately.

Please check your email regularly (including junk folders) and also your JobTrain account for updates.

Please contact JobTrain Candidate Support Hub : – for advice and support with any system issues.

We recommend using the Internet Browser “Google Chrome” or “Microsoft Edge” when using JobTrain.

Once you have submitted your application form you will be unable to make any amendments.

Some of our vacancies are for internal candidates only. If you are a staff member, please ensure you update your JobTrain profile to reflect that you are employed by NHS Ayrshire and Arran.

Please note, for all vacancies where a driving licence is required this must be a full UK/EU/EEA licence.

NHS Ayrshire and Arran has a legal obligation to ensure that it does not employ any worker who has not been granted the relevant permission to work in the UK. This permission is, without exception, granted by UK Visas and Immigrations. We are required to check the entitlement to work in the UK of all prospective employees, regardless of nationality or job category. Candidates who require a Certificate of Sponsorship can access further information at

We are unable to provide sponsorship for bank contracts.

Expected salary:

Location: Irvine, North Ayrshire

Job date: Fri, 29 Dec 2023 04:42:19 GMT

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Job description: Alert Microfinance Bank Limited, a subsidiary of Alert Group Limited, is a Pan African MSME Bank with a state license. Strategically located in the commercial hub center of Lagos State, we cater to a wide range of business ventures, including small, medium, and large-scale enterprises.

We are recruiting to fill the position below:

Job Position: Branch Manager

Job Location: Agege, Ikotun, Ajah – Lagos
Employment Type: Full-time

Job Summary

• Branch Manager is responsible for the coordination, supervision of subordinates via evaluation and processing of loans and act as liaison between customers and the organization while helping qualified applicants acquire huge loans in a timely manner.

Job Description

• Coordinate, supervise, market loan products and process loan applications for Customers
• Oversee subordinates and evaluate loan processing to determine customers financial eligibility and feasibility of repayment of loans
• Presenting loan proposals to the credit units and informing the client about the decision of the credit units
• Ensuring punctual repayments of acquired loans from clients, contacting and visiting all parties based on needs
• Determine all applicable ratios and metrics and set up loan payment plans
• Complete loan contracts and counsel clients on policies and restrictions
• Opening loan applications Conducting loan analysis by visiting the business and household of clients
• Visiting the business /employer of guarantors and preparing a complete loan assessment according to the bank’s credit procedures
• Ensuring high quality standards of the bank’s credit portfolio
• Ability to meet and exceed targets while actively working to increasing business portfolio and client’s base.

Key Requirements

• Minimum of B.Sc. or its equivalent in Marketing or related field.
• 3 – 5 years of cognate experience from a reputable Microfinance Bank.
• Must be resident around Ikotun, Egbeda, Agege, Ajahand it environ.
• Ability to disburse Micro, SME Loans in large volumes without default
• Sound Risk Management experience and can disburse/deliver a Min of 30million Naira Loan Monthly with good success rate and track records.
• A female is preferable for gender equality
• Experienced in repayment tracking and loan collection without a day default

Expected salary:

Location: Agege, Lagos State

Job date: Wed, 20 Dec 2023 08:34:34 GMT

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Job description: Providus Bank Plc is a Personal and Private commercial bank in Nigeria with strength in IT infrastructure and digital… Management Officer Job Location: Lagos Employment Type: Full-time Job Summary Database Management Officer is a specialized…

Expected salary:

Location: Nigeria

Job date: Sat, 23 Dec 2023 07:10:46 GMT

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