Senior Manager, Credit Evaluation - Johannesburg at Standard Bank Group

JOB DESCRIPTION

• To comprehensively manage the credit risk of the allocated lending portfolio, specifically in respect of originations, assessment of credit risk, sanctions, credit risk management, account maintenance and distressed and high-risk accounts in keeping with the BCB credit policies, guidelines and risk appetite. Proactively supports business partners and ecosystem methodology in understanding and meeting client lending needs and solution for complex client specific needs.

QUALIFICATIONS

Qualification Required

• B/Comm Accounting or Financial Management Degree

Experience Required

• 5 - 8 years’ 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. Credit evaluations experience, preferably across Business and Commercial Banking and Corporate and Investment Banking . Deep understanding of credit principles and financial statements. Understands collateral, credit risk and collections processes. Previous Structured and Specialised Lending credit experience is an advantage

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)