Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

To ensure the effective and efficient value-adding approach to Credit Evaluation and enhancing the decisioning of credit applications for Business and Commercial Banking customers within acceptable parameters. Ultimate focus will be on enriching customer experience in driving sustainable asset growth and maintaining a quality lending book. The role covers all sectors of the economies across Africa Regions.

Type of Qualification: First Degree

Field of Study: Accounting, Finance, Business and/ or Commerce

Other Qualifications: professional training in credit lending, risk management, trade finance, financial analysis and /or compliance risk management, among others will be an added advantage.
 
Experience Required

• Minimum of 5 years in credit risk management within the financial services sector.
• Must have held a credit mandate or delegated authority for Business and Commercial clients.
  Detailed knowledge and experience regarding credit risk, compliance, and regulatory requirements.
• An appreciation of the unique requirements when lending to SME and Commercial clients.
• Experience within the Africa Regions space will be an added advantage.
• Willingness and ability to travel to countries within Africa Regions is essential 

Behavioural Competencies:

• Articulating and Examining Information
• Making Decisions
• Initiative-taking Approach   
• Stakeholder Management
• Providing Insights
• Showing Composure
• Solutioning Mindset and Exploring Possibilities

Technical Competencies:

• Financial statements analysis
• Structuring lending proposition in line with customer requirements
• Identification of funding gaps
• Lending Products and Services Knowledge
• Risk Assessment and Risk Grading
• Balance sheet and cash flow-based lending analysis
• Deducing ideal collateral for a given funding structure
• Balancing growth and risk management requirements
• Setting appropriate covenants and conditions of grant
• Motivating and presenting credit applications to higher authority

Please note: All our recruitment processes comply with the applicable local laws and regulations.

We will never ask for money or any form of payment as part of our recruitment process. If you experience this, please contact our Fraud line on +27 800222050 or TransactionFraudOpsSA@standardbank.co.za.