Team Leader , Credit Evaluation Management at Standard Bank Group

JOB DESCRIPTION

• Lead a team of Credit Evaluation Managers and/or Officers who assess and evaluate lending applications for clients/small businesses (including self-employed applicants) 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 will include the spectrum of lending products available to Consumer clients.

Credit Evaluations

• Makes prudent credit decisions on lending applications and authority sought requests within the parameters of the relevant individual product policies and/or multiple product policy, relevant regulatory requirements such as the National Credit Act and sound financial principles.
• Determines the best possible lending solution for the client and the Bank.
• Considers the requirement for collateral, guarantees, pre-conditions, post-conditions, and covenants.
• Supports Managers: Credit Evaluations in understanding clients and businesses and finding solutions for clients’ needs
• Prepares motivations and recommendations for applications falling outside the delegated authority and presents this to appropriate authority levels.

Client Engagement

• Attends client visits to understand clients and their businesses in need. Client engagements may be in person or telephonic, at branches, suites, or client premises.
• Supports business to understand clients and whether lending opportunities fall within risk appetite
• Engages watchlist clients as required in support of Credit Risk teams.

Credit Risk management

• Supports the Credit Risk team as required to ensure performance of their responsibilities.
• Pro-actively identifies opportunities to improve processes and systems within the business unit to enhance risk management and efficiencies.

QUALIFICATIONS

Minimum Qualifications

• Preferable: B/Comm Accounting or Financial Management  or Credit Diploma 

Experience Required
5-7 years

• Good knowledge and understanding of Credit Risk Management, managing a Team, 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:

• Articulating Information
• Developing Strategies
• Directing People
• Embracing Change
• Examining Information
• Exploring Possibilities
• Interacting with People
• Making Decisions
• Providing Insights
• Understanding People

Technical Competencies:

• Coaching and Mentoring
• Compliance
• Product and Services Knowledge
• Product Development
• Risk Management
• Stakeholder Management
• Strategic Alignment & Execution
• Strategic Planning and Reporting