Manager, Credit Evaluation at Standard Bank Group

About the Job

Job Description

• Assessment and evaluation of lending applications for clients (individuals and businesses) 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, Business, Agric and Entrepreneur, 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.

Minimum Qualifications

• Type of qualification: First Degree
• Field of study: Finance and Accounting

Experience Required

• Credit Risk-BCC
• Risk & Corporate Affairs
• 5-8 years
• Credit evaluations experience, preferably across CIB, Commercial and Business. Deep understanding of credit principles and financial statements, particularly as relates to Business Lending. Understands collateral, credit risk and collections processes.

Behavioral Competencies:

• Developing Strategies
• Directing People
• Embracing Change
• Interacting with People
• Making Decisions
• Resolving Conflict

Technical Competencies:

• Economic Capital Management
• Evaluating Risk Management Effectiveness
• Risk Identification
• Risk Reporting