Head, Working Capital Credit at Standard Bank Group

JOB DESCRIPTION

 To provide overall Credit guidance, direction, and support of the Working Capital Solutions portfolio, with specific focus on Trade Finance, Debtor Finance, and other working capital solutions. To aid in development of effective and appropriate working capital solutions in support of Business & Commercial Clients (BCC) asset growth targets, with a specific focus on Trade Finance, Debtors Finance, and other working capital solutions.

To comprehensively manage the credit risk performance of the Trade Finance, Debtors Finance & other working capital credit portfolios (as mandated) for BCC, specifically in respect of originations, scored/ automated credit lending strategies, assessment of credit risk if required, sanctions, fulfilment, credit risk management, account maintenance and involvement in distressed and high-risk accounts in keeping with the BCC Group credit policies and guidelines.

QUALIFICATIONS

Qualification Required:

• First Degree in Finance and Accounting
• Strong qualifications in the field of finance and accounting. Preference for additional training in Banking, Legal, and leadership.

Experience Required: 

• More than 10 years in credit evaluations experience, specifically in Trade Finance & Debtors Finance, but also in general business lending for Business or Commercial segment and Entrepreneur or small businesses. Deep understanding of credit principles and financial statements, particularly as relates to funding of working capital requirements.  Understands collateral and collections processes.  Understands risk processes. Previous Structured and Specialised Lending credit experience is an advantage

ADDITIONAL INFORMATION

Behavioural Competencies:

• Making Decisions
• Analysing Solutions
• Developing Relationships
• Coping with Pressure
• Taking Action

Technical Competencies:

• Financial analysis
• Risk Principles
• Legal Principles – Collateral and recovery processes
• Interpretation and Execution