Overview
Manager, Credit Evaluation – Business and Commercial Banking , Africa Regions Jobs in Johannesburg, Gauteng, South Africa at Standard Bank Group
Title: Manager, Credit Evaluation – Business and Commercial Banking , Africa Regions
Company: Standard Bank Group
Location: Johannesburg, Gauteng, South Africa
Company Description
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.
Job Description
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.
Qualifications
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
Additional Information
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 [email protected].
