Credit Analyst (Johannesburg)
(Only Africa Citizens Can Apply)
Salary: $1500 - 1900
Start: Urgent
Credit Analyst – Johannesburg – Corporate Banking
Required for Competence:
• Degree in (Financial/Accounting)
• 2 Years Credit Assistant
• 2 Years Assistant Manager
• 3 Years in Banking Industry
Responsibilities:
• Serve as back-up and/or replacement for– and to assist the Assistant Manager Credit Administration with:
• All tasks as per the Assistant Manager Credit Administration job description.
• Perform Credit Risk assessment and Financial Analysis on all new and existing credit client profiles:
• Accurately capture and spread financial statement information on the S&
• P based analysis model.
• Analyze and interpret the financial ratio results.
• Prepare a credit analysis and recommendation for the credit committees.
• Analyze and prepare a recommendation regarding the proposed risk rating based on the internal and/or external risk rating results.
• Prepare a PowerPoint presentation for the Credit Technical– and Credit Risk Committees.
• Present the financial analysis and proposed risk rating to the Credit Technical Risk Committee.
• To provide recommendations with regards to applicable risk ratings to the Credit Technical– and Credit Risk Management Committees on all new and existing client credit applications:
• Obtain and analyze internal as well as external Risk Rating based on the financial results, Industry exposure and other applicable risk aspects.
• Compare internal and external risk rating results, and make recommendations to the Credit Committees based on the bank’s Risk Rating model.
• Assist Senior Credit Analyst to compile comprehensive and accurate Industry Analysis:
• Do Industry research utilizing various mediums available, e.g. Internet, media reports and or clients own industry reports etc. to gather information required to compile Industry report.
• Assist to compile a comprehensive and efficient Industry report, highlighting aspects of inherent risk.
• Assist to make recommendations as to how areas of inherent risk can be mitigated and/or hedged.
• Assist Assistant Manager Credit Administration with day-to-day operating requirements:
• Prepare credit offers for approval signatures.
• Obtain approval signature on credit offers.
• Finalize credit offer administration and forward to operations for processing.
General:
• To provide comprehensive, accurate and efficient Financial Statement analysis of all new and existing client credit profiles for credit assessment purposes.
• To make comprehensive and effective Credit Risk assessments and recommendations to the Credit Technical– and Credit Risk Management Committees on all new and existing client credit applications.
• To present the Credit Risk Financial Analysis to the Credit Technical Risk Committee on all new and existing client credit applications.
• To provide accurate and efficient recommendations with regards to applicable risk ratings to the Credit Technical– and Credit Risk Management Committees on all new and existing client credit applications
• Assist Senior Credit Analyst to compile comprehensive and accurate Industry Analysis to the Credit Technical– and Credit Risk Committees from time to time.
• To serve as a back-up and/or replacement for the Assistant Manager Credit administration during times of leave/absence.
• Assist and support the Senior Credit Analyst with day –to –day tasks.
• Assist Assistant Manager Credit Administration with day-to-day operating requirements.
• Assist Relationship Manager to establish and maintain credit proposals, and credit reviews.
• Prepare Head Office reporting information.
• All other back up work to assist the Division Head as required.
• If you feel that you qualify for the position above then please forward a copy of your CV to
• loans.sgtf@live.com ON or Before 10th July 2012 or to Address’s below:
• Ghana Office:
• No 7 Nana Ama Street
• Labadi –Accra
• Ghana.
•
• Gambia Office:
• 27 Kairaba Street
• Banjul –Gambia.
•
• Kenya Office:
• 95 Girgiri (Limuru Road)
• Nairobi-Kenya.
•
• Tanzania Office:
• 64 Old Bagamoyo Road,
• Msasani –Tanzania .
•
• Namibia Office:
• 56 Lossen Street
• Windhoek, Namibia

South Africa:
18 Harrison Street
Johannesburg 2001
Postal Address: Private Bag X74,
Marshalltown 2107
•
• Only successful applicants will be contacted.
• Standard Group Trust Fund.
• 2 Express Lane
• Sarasota, FL 34238,USA.
• loans.sgtf@live.com

• www.sgtf. webs. com

Banking Human Resource Officer - Accra/Ghana
(Only West Africa Citizens Can Apply)


Salary: $1000-1700
Start: ASAP
Human resource Officer: The role is based in Accra , Ghana.
Job description:
Job description:
• Provide advice and assistance with writing job descriptions
• Provide advice and assistance when conducting staff performance evaluations
• Identify training and development opportunities
• Organize staff training sessions, workshops and activities
• Provide advice and assistance in developing human resource plans
• Provide staff orientations
• Monitor daily attendance.
• Investigate and understand causes for staff absences.
• Provide advice and recommendations on disciplinary actions.
• Monitor scheduled absences such as holidays or travel and coordinate actions
• Provide advice and assistance to supervisors on staff recruitment
• Prepare notices and advertisements for vacant staff positions.
• Schedule and organize interviews
• Participate in applicant interviews
• Conduct reference checks on possible candidates
• Prepare, develop and implement procedures and policies on staff recruitment
• Inform unsuccessful applicants
• Conduct exit interviews
• Maintain records and compile statistical reports concerning personnel-related data such as hires, transfers, performance appraisals, and absenteeism rates.
• Analyse statistical data and reports to identify and determine causes of personnel problems and develop recommendations for improvement of organization's personnel policies and practices.
• Plan, organize, direct, control or coordinate the personnel, training, or labour relations activities of an organization.
• Conduct exit interviews to identify reasons for employee termination.
• Represent organization at personnel-related hearings and investigations.
• Negotiate bargaining agreements and help interpret labour contracts.
• Prepare personnel forecast to project employment needs.

Job Specification:
• University Degree (B COM HRM, industrial Psychology, Labour relation)
• Work experience: 2 year HR working experience

• Computer literate (Ms Word and Excel)
If you feel that you qualify for the position above then please forward a copy of your CV to
loans.sgtf@live.com ON or Before 10th July 2012 or to Address’s below:
Ghana Office:
No 7 Nana Ama Street
Labadi –Accra
Ghana.

Gambia Office:
27 Kairaba Street
Banjul –Gambia.

Kenya Office:
95 Girgiri (Limuru Road)
Nairobi-Kenya.

Tanzania Office:
64 Old Bagamoyo Road,
Msasani –Tanzania .

South Africa:
18 Harrison Street
Johannesburg 2001
Postal Address: Private Bag X74,
Marshalltown 2107

Namibia Office:
56 Lossen Street
Windhoek, Namibia

Only successful applicants will be contacted.
Standard Group Trust Fund.
2 Express Lane
Sarasota, FL 34238,USA.
loans.sgtf@live.com
www.sgtf. webs. com

Standard Group Trust Fund(SGTF) Recruit
We are a fast growing Loan Lenders institution in U.S, with Newly extensive branch network in West ,Eastern and Sub-Saharan Africa. We are seeking individuals of high integrity, who are energetic, hardworking and flexible to fill the following positions :
Relationship Manager :
Job description:Relationship Manager
As Relationship Manager you will help people get the most from their money, make the right choices and make their money work for them.
Often working for a bank or building society, you'd be the number one resource for customers to get advice on their account. This would range from their account details to advice on the best financial service for them. You'd have to assess each individual customers needs and accounts as well as generating new business and clients.
Speaking with customers would be a large part of your day to day work, either over the phone, on the internet or face to face. You'd set up a meeting with them, discuss their financial needs and details and keep records, negotiate over financial products and keep your customers well informed and advised at all times.
It would be important for you to keep up to date with the latest products, services and financial laws so you can give reliable advice. You will also be expected to meet sales targets, by offering them to clients and also drawing in new ones to increase business.
Hours/Environment
Working hours 8-5 Monday to Friday and possibly Saturday mornings.
Working independently, you'd have far more flexibility, and could meet clients in the evenings or weekends.
You'd often be working from an office, but travel to meet clients and attend meetings would be needed.
Skills and interests
To be a good Relationship Manager, you must have:
• excellent communication and listening skills
• the ability to explain complex information clearly and simply
• good sales and negotiation skills
• an interest in financial products and markets
• good mathematical and computer skills
• the drive and motivation to meet targets
• honesty and a trustworthy manner
• accuracy and attention to detail
• the ability to analyse and research information
Qualification : University Degree Holder
Business Manager:
Job description: Business Manager
As a Business Manager, you would overlook the running of an entire branch, or a number of small branches.
You are responsible for bringing in new customers and boosting the bank's profits.
This role would involve setting targets and making sure that they are met, motivating and developing staff, keeping the bank to a high standard and dealing with customer complaints.
As the head of the bank, you would create and analyse management information and reports, which are then given to branch staff and head office. You will also work closely with local chambers of commerce, development agencies, and other professionals such as solicitors, accountants and estate agents. And, in some branches there may also be a separate business manager.
The financial services industry has changed in recent years, with stricter regulations and laws to prevent financial crime, and greater competition between banks and building societies offering similar products. This means that it is now likely that you would be more involved with business planning than having direct contact with customers.
Hours/Environment
Monday to Friday 8 to 5 would be your typical working hours as a Bank Manager, though some branches will be open on Saturday mornings also.
Your time would be split between working in an open plan, private office and visiting clients or attending meetings. If you become responsible for more than one branch, you would be expected to travel between them.
Due to the high status of your role as a Business Manager, formal business dress is required.
Skills and interests
To be a good Business manager, you must have:
• experience in management, ideally within the financial sector
• ability to lead and motivate staff to meet targets
• marketing, sales and IT skills
• a business focussed attitude, with a good knowledge of the local economy
• ability to deal courteously with customers, with tact and confidentiality
• ability to communicate effectively, and build long-term working relationships
• ability to negotiate, solve problems and make effective decisions
• high levels of integrity and honesty
• ability to work as part of a team
• ability to adapt to change
• language skills if working in investment or international banking
Qualification: Degree Holder with 6 Years working experience.

To apply, send your detailed and updated CV, together with an application letter indicating your current and expected remuneration to loans.sgtf@live.com ON or Before 25th June 2012 or to Address’s below:
Ghana Office:
No 7 Nana Ama Street
Labadi –Accra
Ghana.

Gambia Office:
27 Kairaba Street
Banjul –Gambia.

Kenya Office:
95 Girgiri (Limuru Road)
Nairobi-Kenya.

Tanzania Office:
64 Old Bagamoyo Road,
Msasani –Tanzania .

Namibia Office:
56 Lossen Street
Windhoek, Namibia

Only successful applicants will be contacted.
Standard Group Trust Fund.
2 Express Lane
Sarasota, FL 34238,USA.
loans.sgtf@live.com

Good

Loan Officer vacancy at Standard Group Trust Fund(SGTF)

We are a fast growing Loan Lenders institution in U.S, with Newly extensive branch network in West ,Eastern and Sub-Saharan Africa. We are seeking individuals of high integrity, who are energetic, hardworking and flexible to fill the position of Loans Officer within our organization.

Job Description for Loan Officer

Reporting to the Standard Group Trust Fund (SGTF) manager, the loan officer is in charge of the loaning processes of the company.

The loan officer is accountable for the growth of lending portfolio and maintaining efficiency of the process.

Competencies

Good communication skills
An Analytical mind
Attention to detail
Must have good interpersonal skills

Duties and responsibilities

Receive loan applications from all offices and approve them within specified limits,and refer loan applications outside those limits to management for approval.
Meet with applicants to obtain information for loan applications and to answer questions about the process
Analyze applicants financial status, credit history, and property evaluations where need be to determine feasibility of granting loans.
Explain to customers the different types of loans and credit options that are available ,as well as the terms of those services
Obtain and compile copies of loan applicants’ credit histories, corporate financial statements, and other financial information.
Review loan agreements to ensure that they are complete and accurate according to the policy
Compute payment schedules
Stay abreast of new types of loans and other financial services and products in order to better meet customer’s needs
Submit applications to the SGTF Manager for verification and recommendation
Preparing timely reports on the loan portfolio for the credit committee and the management board meetings
Handle customer complaints and take appropriate action to resolve them
Work with clients to identify their financial goals and to find ways of reaching those goals
Negotiate payment arrangements with customers who have delinquent loans
Set credit policies ,credit lines, procedures and standards in conjunction with SGTF manager
Analyze potential loan markets and develop referral networks in order to locate prospects for loans
Prepare reports to send to customers whose accounts are delinquent
Follow up loan collection from the clients with assistance from branch officers
Arrange for maintenance and liquidation of delinquent properties
Petition courts to transfer titles and deeds
Perform related work as assigned

Qualifications

A minimum of university Degree in a related field and 1 yr of experience in a Financial institution
A working knowledge of computer packages is necessary

To apply, send your detailed and updated CV, together with an application letter indicating your current and expected remuneration to loans.sgtf@live.com ON or Before 25th June 2012 or to Address’s below:

Ghana Office:

No 7 Nana Ama Street

Labadi –Accra

Ghana.



Gambia Office:

27 Kairaba Street

Banjul –Gambia.



Kenya Office:

95 Girgiri (Limuru Road)

Nairobi-Kenya.



Tanzania Office:

64 Old Bagamoyo Road,

Msasani –Tanzania .



Namibia Office:

56 Lossen Street

Windhoek, Namibia



Only successful applicants will be contacted.

Standard Group Trust Fund.

2 Express Lane

Sarasota, FL 34238,USA.

loans.sgtf@live.com