Manager, Credit Evaluation - Johannesburg at Standard Bank Group

JOB DESCRIPTION

• Assessment and evaluation of lending applications for clients (Commercial and Business Banking) based on sound credit risk and affordability assessments, financial principles and credit policies which will support growth of the asset book of the bank and manage credit losses by ensuring sound lending credit principles are applied at all times and that lending is within the Bank’s risk appetite parameters. This will include the spectrum of lending products available to all segments of clients including Commercial and Business Banking, including specialised lending, trade finance, debtors finance, commercial property finance, agriculture and others. Support business partners in understanding and meeting client lending needs. The jobholder may operate in one or more of the segments as required by business needs.

Commercial assessments will carry the biggest weighting

QUALIFICATIONS

• B/Comm Accounting or Financial Management Degree
• Credit Diploma or other relevant credit training

Experience Required

• 5-7 years’ experience in intuitive credit assessment and decisioning in Commercial and Business Banking
• Good Knowledge and understanding of financial Statement
• Good understanding of legalities associated with lending and collateral

ADDITIONAL INFORMATION

Behavioural Competencies

• Interpreting Data
• Interacting with People
• Making Decisions
• Empowering Individuals
• Team Working
• Pursuing Goals

Technical Competencies 

• Loan Processing
• Account Opening & Maintenance
• Credit Delivery
• Application & Submission Verification (Business Banking)
• Customer Acceptance & Review (Business Banking)