Jobs at Keystone Bank

The Keystone Bank Brand is built on meeting and exceeding customer expectations by providing simple, convenient, anytme banking service at all times.
Keystone - Literarily suggests that an object
, system or philosophy is indeed born to hold together all the pieces that helps with its success.
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  • CREDIT ANALYST


    Specialization     Others
    Job Level             Experienced Hire
    Required Experience      3 - 5 years
    Required Banking Experience     3 - 5 years
    Application Deadline      06-Sep-2013
    Job Description

    •             Credit Analysis

    Duties And Responsibilities:

    Performing fundamental credit risk analysis and assigning internal credit ratings on commercial counterparties for enlistment.
    Appraisal of retail and commercial credit proposals Bank wide.
    Monitoring market, regulatory, macro economic and political developments and assessing their impact on the credit quality of counterparties.
    Participating in client due diligence visits/calls as needed.
    Liaising with Legal department on collateral/legal issues and to ensure identified risks are adequately addressed in the legal documentation for structured transactions and setting credit terms in the legal documentation for loan availment activity.
    Prepare reports that include the degree of risk involved in extending credit or lending money. Assessing proposed transactions within the context of the transaction structure to ensure structural risks are properly identified and adequately mitigated.
    Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity. Performing on-going monitoring, in conjunction with account management unit, on complex deals so that any early signs of distress or deviation from the expected performance are promptly identified.
    Analyze Credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
    Performing general problem solving of any issues arising across the Bank in relation to counterparties in the portfolio.
    Provide analytical support segmenting and monitoring credit, concentration limits, etc. and make recommendations based on trends.
    Liaison with CBN, NDIC and external auditors in respect of credit issues through the Head of Department. Handling complaints and enquiries from Branch Managers and internal customers.
    Consumer loan processing (SALAD; Salary Advance), evaluation and review of consumer loans.
    VISA card processing.
    Conduct credit checks for Applicants.


    Key Performance Indicators:

    Turnaround Time for processing Credit Request
    Teaming, Communication, Ethics and Professionalism
    Processing Accuracy
    Customer Satisfaction


    Minimum Education Qualifications:

    ·         A good first degree from a reputable university

    Post Graduate Qualifications:

    A relevant  post graduate qualification or higher degree (e.g. MBA, MSC) is prefarably

    Professional Qualifications:

    Not Applicable

    Skills And Competencies:

    Must be able to learn quickly
    Must be able to think laterally
    Must possess advanced Microsoft office skills
    Team player, flexibility, strong analytical and problem solving skills
    Very good presentation skills


    Location: Not Specified
    Experience: 3 year(s)
    Course of Study: Not Specified
    Required Grade:  Not Specified

  • CREDIT CONTROL OFFICER


    Specialization     Accounting / Audit / Tax
    Job Level             Experienced Hire
    Required Experience      3 - 5 years
    Required Banking Experience     3 - 5 years
    Application Deadline      06-Sep-2013
    Job Description

    CREDIT CONTROL

    Duties And Responsibilities:

    Ensuring compliance with conditions precedent to drawdown.
    Ensuring that facilities are approved in line with Credit Policy Guidelines.
    Reviewing Availment Ticket for purposes of booking all credits.
    Tracking all fees and preventing all avenues for income leakage.
    Rendition of credit activity report.
    Maintenance of documentary Exception Register/List.
    Ensuring quality assurance of loan documentation before disbursement of credit facilities.
    Review offer letter against approval prior execution by the customer.
    Review of all loan documents for correctness and completeness.
    Key Performance Indicators:

    Adequacy and completeness of credits documents in line with approved conditions precedent to drawdown and credit policy.
    Timeliness in the preparation of exception reports/review on all approved/processed Availment Tickets.
    Timeliness in completion of assigned tasks.
    Effectiveness at execution of assigned tasks.
    Efficiency at executing scheduled and ad-hoc assignments.


    Minimum Education Qualifications:

    First degree or its equivalent preferably in Law.
    Post Graduate Qualifications:

    Not Applicable

    Professional Qualifications:

    Not Applicable

    Skills And Competencies:

    Strong analytical, qualitative and quantitative skills.
     Good written and verbal communication skills.
     Proficient in using the computer and word processing applications.
     Problem-solving and research-oriented skills.
     Working knowledge of financial markets.
     Demonstrate extensive knowledge of risk management methodologies & procedures
     Sound awareness/ understanding of trends and recent developments in both the regulatory and supervisory environment of the banking industry.
     Proven track record of delivery in contribution to enterprise risk management solutions delivery to business functions.
     Proven ability to contribute to complex projects and teams across different business areas


    Location: Not Specified
    Experience: 3 year(s)
    Course of Study: Accounting
    Required Grade:  Not Specified