Manager, Credit Evaluation - Gqeberha at Standard Bank Group

Job Description

Assessment and evaluation of lending applications for clients based on sound credit risk and affordability assessments, financial principles and credit policies which will manage growth of the asset book of the bank with a view of minimising losses and mitigating credit risks. This may include a variety of lending products dependent on the client and segment within which the Manager operates. Support business partners in understanding and meeting client lending needs. Including but not limited to Credit evaluations, Client Engagement, Credit Risk management, Training and mentoring, Stakeholder management, Management information and Project management.

Qualifications

Minimum Qualifications

• Primary Qualification:  BCom or Finance degree
• Field of Study: Business Commerce/ Finance
• Secondary  Qualification: Credit diploma and on-the-job experience

Experience Required

• 3 - 4 years experience in intuitive credit assessment and decisioning in relevant segment and products. Knowledge and understanding of financial statements. Knowledge and understanding of repayment structures, collateral, and collection processes within the banking environment.

Additional Information

Behavioral Competencies:

• Making Decisions
• Analysing Solutions
• Meeting Timescales
• Showing Composure
• Examining Information
• Team Working

Technical Competencies:

• Computer Literacy
• Risk Principles
• Legal Principles - Collateral
• Credit Granting
• Credit Process
• Financial statement analysis