Senior Credit Manager (Power & Infrastructure, Telecoms & Media) at Standard Bank Group

JOB DESCRIPTION

• To provide an efficient and effective credit approval and management process in respect of the allocated portfolio, by assessing and managing risk within acceptable parameters. Develop and maintain co-operative relationships between all stakeholders in the credit value chain and manage a team of Credit Managers.
• Sector responsibility will include research, specialist input and/or management with regards to the P&I (Power & Infrastructure) and/or TMT (Telecoms & Media) portfolios and risk appetite

Key Responsibilities:

• Originate, review and understand complex transactions in order to facilitate an effective risk assessment, thereby gaining an understanding of risk impacts.
• Develop the profile of insurable risk for portfolio.
• Analyse credit applications to assess whether the credit risk is in line with the Bank’s Credit Appetite and relative to the profitability of the deal
• Display a good understanding of the Risk Reward for each deal reviewed
• Demonstrate well thought out decisions showing sound judgement where applications are within Delegated Authority
• Effective provision of analyses and recommendations where applications require referral to the relevant credit committee.
• Present and address queries posed in respect of credit applications to Credit Committee, consisting of Exco members for approval.
• Demonstrate and employ specialist knowledge of Project Finance, Structured Transactions or other Product knowledge a requirement.
• Demonstrate and employ specialist knowledge, stakeholder engagement, express and manage appetite to sectors (P&I and/or TMT)

QUALIFICATIONS
Minimum Qualifications

• Post Graduate Degree - Business Commerce, Finance, Engineering, BSc

Experience Required

• 7-10  years Corporate Banking experience: thorough conceptual and practical knowledge of credit procedures, policies and standards, as well as a thorough understanding of products and facilities that give rise to counterparty credit risk. Understanding of Basel and broader regulatory and compliance requirements, Good understanding of lending and derivative products and facilities that give rise to counterparty credit risks, including the documentation required/presented to manage that risk.
• 7-10 years Well developed knowledge of financial markets, global economy and appropriate regional geographies in which portfolio operates.
• 5-7 Years Good understanding of accounting (both management and financial accounting) to analyze financial strengths and weaknesses of clients and identify potential risks to credit proposals.
• More than 7 years understanding and working knowledge of risk systems monitoring and its related procedures for analysing the account behaviour of clients and identifying trends and shifts in credit risk profiles. Thorough understanding of bank’s products and facilities that give rise to counter party credit risk. Strong technical understanding of non-credit risks encountered within transactions. Knowledge of financial markets (Global and especially African economies).Thorough conceptual and practical knowledge of credit procedures, policies, standards. Knowledge of risk systems and derivative instruments.

ADDITIONAL INFORMATION
Behavioural Competencies:

• Checking Details
• Conveying Self-Confidence
• Interacting with People
• Examining Information
• Team Working
   

Technical Competencies:

• Risk Analysis
• Risk Measurement
• Risk Identification