JOB SUMMARY: 

Primarily responsible for Sourcing, Structuring, Execution of complex and large size transactions and its associated credit activities emanating from the Corporate Coverage Department

KEY RESULT AREAS / SCOPE OF RESPONSIBILITIES:

Sales and Business Development

• Market analysis of target clients and their financing needs to identify opportunities for Bank’s Structured Trade/Project Finance practice.

• Preparation of Proposals, Term sheets, Authority To Proceed (ATPs) documents and Mandates and to conduct due diligence on potential transactions for risk and pricing considerations.

• Identifying and competing for mandates and to subsequently arrange and structure both balance sheet and off-balance sheet deals which would lead to the Bank playing a lead role in big ticket transactions syndication.

• Responsible for the roll-out of new products and  identifying opportunities to expand the up-take of existing products in the Ghanaian economy, along with the economic rationale for the introduction of such initiatives.

• Perform financial and technical and other due diligence including analysis of Financial models as appropriate to establish viability of transactions.

Customer/Transaction Management

• Responsible for ensuring all documents required for any deal are being delivered by the clients

• Perform financial, technical and other due diligence including analysis of financial models on transactions as appropriate.

• Responsible for the origination of new debt and or enhancement of existing debt in cooperation with Credit risk to obtain approval. 

• Running and administering the transaction process and working with legal department to develop and conclude on deal documentation, including negotiating the terms with the clients.

• Work with Performance & Portfolio Monitoring and the Corporate Credit Administration Units in monitoring of live-transactions in our capacity as either lead arrangers and or participants in a transaction.

• Initiate and maintain Intensive communication with clients, the regional structured finance team in the preparation of the ATPs, Term Sheets and all the legal documents.

Risk/Transaction Operations Management

• Work with the Performance & Portfolio monitoring unit to monitor covenants, conditions subsequent and other key conditions stipulated in the facility letter and or facility agreement to prevent or minimize probability of breaches.

• To ensure perfection of security (where necessary) and all legal/or security documents signed and sealed by appropriate officials of both the Bank and the syndicate partners.

• Arrange for remittance of loan repayments and interest payment to syndicate partners and other stakeholders.

• Work with Corporate Credit Administration to properly set up syndicate loans with the Bank being lead arrangers and or a participant.

Competencies, Education, Experience and Technical Skills Requirements:

• Bachelor's degree in a commercial related field; Master's Degree will be an added advantage.
• Minimum of 10 years’ experience in a commercial/structured finance environment.
• Relevant knowledge and experience in banking and /or corporate finance specifically in banking debt products, corporate credit or corporate finance
• In depth knowledge of Ghanaian public and private sector enterprises, to be able to identify opportunities and originate new transactions that fit into the bank’s risk appetite
• Practical experience in syndicated lending-either playing lead arranger or participatory role.
• Excellent communication (written and verbal) and negotiation skills.
• Proficient report writing and financial modeling skills.
• High degree of customer focus, detailed knowledge of the customer proposition to enable development of effective and practical plans.