Job Opportunities at Standard Bank Group

JOB DESCRIPTION

• Manage a portfolio of counterparty credit risks associated with lending, trading, and investing activities, with the primary objective of assessing and managing risk within acceptable parameters.

Key Responsibilities:

Complete effective financial analysis of counter party credit risks.

• Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities.  This may include, the analysis of the essential elements of risk such as; assets, threats, vulnerabilities, safeguards, consequences and the likelihood of the threats materialising.
• Conduct annual risk reviews of counterparties and monitor covenants and conditions on the existing portfolio base.

Formulate Rating Models to determine Risk Grades.

• Understand the Banks internal rating models and their risk drivers, and translate this information into a rating using the correct rating model.
• Use variable to determine the correct risk grade, which impacts the conditions and covenants that are put in place should credit be granted.

Provide recommendations of lending and derivative products.

• Provide recommendations and exercise judgement, sanctioning excesses within Delegated Authority limits.
• Coordinate and ensure that the post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction by liaising with credit and legal, and by reviewing inputs on Adaptiv by Credit Ops team.
• Manage portfolio actively by following up and address non-adherence to terms and conditions of sanction by counterparties.  Consider the inherent risk therein and make recommendations to regularise or mitigate such increased risk.
• Follow guidelines and processes when managing non-performing loans.
• Support and drive watchlist names to be remedied or managed.

QUALIFICATIONS

Minimum Qualifications: Degree in Business Commerce, or Risk Management, or Finance, or Engineering & BSc
Experience Required
Risk & Corporate Affairs

• Credit Risk - CIB

Experience Required: 1-2 years

• Thorough conceptual and practical knowledge of credit procedures, policies and standards. Ability to understand products and facilities that give rise to counterparty credit risk and appropriately documenting these risks. Understanding of Risk and broader regulatory and compliance requirements.

Investment Banking

• Debt Products

Experience Required: 1-2 years

• Basic understanding of vanilla lending and derivative products and facilities that give rise to counterparty credit risks, including the documentation required/presented to manage that risk.

Risk Management

Experience Required: 1-2 Years

• Knowledge of financial markets, global economy and appropriate regional geographies in which portfolio operates.

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JOB DESCRIPTION

To execute the audit process effectively within relevant stakeholder environments by demonstrating a clear understanding to independently and objectively provide assurance and advice that enables client centric risk management. 

• Contribute to the assessment of risk culture in audit projects.
• Adhere to legislative and regulatory requirements on internal audit
• Contribute to the development of a risk-based audit project scope, through audit walk-throughs, data gathering and analysis, stakeholder engagement and critical thinking.
• Capture and maintain GIA audit and finding data accurately and timeously to contribute towards insights and business management.

QUALIFICATIONS

Minimum Qualifications, certifications or professional memberships

• Any Relevant Degree (e.g. IT/ Computer Science/ Information Systems) (Min)
• Certified Information Systems Auditor (CISA) (MIn)

Other Preferred Qualifications, certifications or professional memberships

• Certified Information Security Management (CISM)
• Certified in Risk and Information Systems Control (CRISC)
• Certified in the Governance of Enterprise IT (CGEIT)

ADDITIONAL INFORMATION

Knowledge & Experience Required

• 1 - 2 years: Working with data. Experience analysing and interpreting data and understanding IT controls
• 3 - 4 years: Experience in performing IT general control and application controls reviews, as well as IT process audits. Experience in IT security and infrastructure reviews is preferable.

Behavioural & Technical Competencies

• Articulating Information: This competency is about effectively expressing ideas and concerns, giving presentations, explaining things to others as well as showing confidence in the interaction with other people, both strangers and acquaintances alike.
• Meeting Timescales: This competency involves individuals adhering to time scales and meeting deadlines. The focus is therefore on being reliable at completing tasks and being punctual.
• Developing Expertise: Developing Expertise is about individuals being open to learning as well as maintaining an efficient rate at which they learn. Furthermore, aims to develop relevant expertise can apply productively in service of their organisation's goals.
• Upholding Standards: Upholding Standards within the organisation is important for ensuring that high quality products and services are provided as well as for ensuring that trust is created and maintained. Individuals need to focus on developing proper and discreet behaviour and to honour their commitments in order to be effective at demonstrating this competency.
• Interacting with People: This competency is about fostering relationships that benefit the organisation as well as an individuals effectiveness and efficiency. More specifically, it includes personal networking behaviours, making contact with others and strengthening relationships.
• Interpreting Data: This competency is about interpreting data accurately with an emphasis on the processing and interpretation of numbers. This competency also includes the utilisation of technology.

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JOB DESCRIPTION

• To implement the Africa Reward strategy by providing remuneration support to all Africa in-country Human Resources key stakeholders. To provide specialist advice and guidance in respect to the interpretation and application of remuneration policies, procedures, and systems, as they relate to each African country.

QUALIFICATIONS
Minimum qualifications

• Preferred Degree in Commerce – Finance / Accounting / Economics or equivalent with extensive advanced Excel. Global Remuneration Professional Designation is an added advantage.
• Or
• Human Resources Management / Social Science degree or equivalent with extensive advanced Excel with Global Remuneration Professional Designation is an added advantage.

Experience required

• Minimum 7 - 10 years’ experience as a Reward Specialist with advanced excel analyst experience in a fast-paced data/research domain that combines the People & Culture realm, finance understanding and payroll.
• Experience and understanding of reward concepts and practices, in a multi-country context, preferably on the African continent, is essential.
• Must have a good grasp of financial metrics and ratio’s to understand the sustainability, affordability and implication of various Remuneration initiatives as they relate to finances of different countries. 
• Be able to work across multiple jurisdictions, multi-currencies, multi-exchange rates, etc, whilst taking into consideration key macro-economic conditions such as hyper inflation, exchange rate volatility, currency devaluation, etc, is critical.
• Proven experience in supporting an annual Year-End Reward Review process for multiple countries within a compressed, demanding and pressurised time period. 
• Experience in ensuring that key stakeholders are constantly kept posted, given direction and deadlines are met, relevant reports are accurately compiled through in-depth data analysis. 
• Experience within a multinational company working with senior management teams in a complex environment.
• Track record of successfully implementing integrated, effective Reward and People & Culture solutions in support of business specific objectives & driving for a sustainable performance in the businesses.

ADDITIONAL INFORMATION
Behavioural Competencies

• Strong data analysis and interpretation coupled with ability to provide insights and articulate challenge(s)/problem(s) and possible solution(s)
• Detail-oriented
• Strong teamwork and business partnering
• Action-oriented
• Comfortable with change and ambiguity

Technical Competencies

• Compensation and Benefits knowledge
• Reward Benchmarking
• Reward Analysis
• Stakeholder Management

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JOB DESCRIPTION

• Collaborate with internal stakeholders to capture, maintain and analyse data across product owners and counterparties to enforce compliance to applicable data standards, policies and rules to enable compliant clients to transact and trade.

QUALIFICATIONS

• Matric
• Diploma, Information Studies OR Information Technology

Experience

• 3-4 years - Understand the fundamentals of data and experience in data analysis. Proficient knowledge and / or exposure to Banking products, services and channels especially Global Markets and transacting.
• The ability to analyse statistics and other data, interpret and evaluate results, and create reports and presentations for use by others.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Articulating Information
• Checking Details
• Developing Expertise
• Documenting Facts
• Embracing Change
• Examining Information
• Exploring Possibilities
• Following Procedures
• Interpreting Data
• Managing Tasks
• Team Working
• Upholding Standards

Technical Competencies:

• Continuous Process Improvement
• Data Analysis
• Data Quality
• Information Management
• Product and Services Knowledge
• Risk Awareness
• Risk Management
• Written Communication

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JOB DESCRIPTION

• To provide specialist technical accounting advisory services from an International Financial Reporting Standards (IFRS) perspective to CIB to ensure compliance with International Financial Reporting Standards. The candidate will be a part of the Group Finance IFRS Technical Advisory and Business Solutions Team (iTABS) and will assist in providing technical accounting advisory services with respect to IFRS to CIB.

QUALIFICATIONS

Minimum Qualifications
Type of Qualification: Postgraduate Degree
Field of Study: Finance and Accounting
Minimum Qualifications and/or Certifications: Qualified Chartered Accountant registered with the South Africa Institute of Chartered Accountants (SAICA)
Experience Required
Finance & Value Management

• 5-7 years Experience within Financial services, managerial experience within Finance, IFRS technical accounting experience and technical accounting within Financial Services.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Developing Practical Approaches
• Developing Relationships
• Analysing Solutions
• Articulating Information
• Developing Expertise

Technical Competencies:

• International Financial Reporting Standards (IFRS)
• IFRS Training
• Maintaining knowledge on IFRS standards and developments
• Report writing
• Technical Accounting Support

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JOB DESCRIPTION

• To provide full financial management services to various areas in the Bank. To engage and lead the development and implementation of processes, systems and controls in the Finance area.

QUALIFICATIONS

Minimum Qualifications:

• Degree in Finance or B Commerce

Experience Required:

• 1 - 2 years 
• Finance Business Partnering
• Finance & Value Management
• Experience in Financial Management in a Banking Environment.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Adopting Practical Approaches
• Articulating Information
• Conveying Self-Confidence
• Convincing People
• Documenting Facts

Technical Competencies:

• Compliance
• Expense Processing
• Financial Accounting
• Financial Analysis
• Financial Management (Financial)

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JOB DESCRIPTION

To lead and review the audit process for a portfolio of audits through audit execution and oversight of the audit team to independently and objectively provide assurance that enables client centric risk management.

• Assess and influence risk culture in the business area responsible for, through audit projects and stakeholder engagement.
• Adhere to GIA methodology, policies and procedures. Manage adherence of team members on audit projects. Guide team members to enhance their understanding and application of GIA methodology, policies and procedures.
• Manage and execute data led audit testing to assess the design and operating effectiveness of controls, determine audit findings and residual risk, and agree remediation to address root causes.  Engage all relevant GIA specialists to obtain input and agreement of the audit findings. Review, assess and approve all audit project work for quality, accuracy and adherence to GIA methodology. Communicate and agree findings with relevant auditees accountable for the areas under review.

QUALIFICATIONS

Minimum Qualifications, certifications or professional memberships

• B Comm Accounting Hons / CA (SA) / Masters in Quantitative Risk Management / Masters in Data Science or similar (Statistics, Mathematics, Data Science) (Preferred)
• B Comm Accounting / B Comm Quantitative Risk Management / BSc Data Science (or similar) (Audit, Statistics, Mathematics, Data Science) (Min)
• Relevant professional membership will be required based on specialty (Min)

ADDITIONAL INFORMATION

Knowledge & Experience Required

• 1 - 2 years: Experience analysing complex sets of data to interpret, visualise and identify trends. Understanding of IT controls.
• 5 - 7 years: Planning and executing audits. Managing and engaging with various stakeholders at a Senior Level. Experience in managing and leading teams with a proven track record of delegating and prioritizing tasks.
• 5 - 7 years: Experience in managing consumer (retail) credit risk throughout the life cycle across different products (secured and/or unsecured lending). Understanding of control environment . Understanding of product development and strategy setting

Behavioral & Technical Competencies

• Developing Strategies: This competency includes facets of behaviour such as being visionary and establishing effective plans that take into consideration long-term aspects. This competency also includes the need for individuals to focus on identifying trends.
• Taking Action: This competency is about taking action in service of achieving the organisation's goals. It is about being energetic, showing initiative and being action oriented.
• Interpreting Data: This competency is about interpreting data accurately with an emphasis on the processing and interpretation of numbers. This competency also includes the utilisation of technology.
• Meeting Timescales: This competency involves individuals adhering to time scales and meeting deadlines. The focus is therefore on being reliable at completing tasks and being punctual.
• Establishing Rapport: This competency is about the behaviours an individual should employ in order to effectively engage people, establish positive personal contact and improve the likelihood of maintaining positive relationships. This competency is therefore about putting people at ease, making friends and helping people feel welcome.
• Interacting with People: This competency is about fostering relationships that benefit the organisation as well as an individuals effectiveness and efficiency. More specifically, it includes personal networking behaviours, making contact with others and strengthening relationships.

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JOB DESCRIPTION

• The purpose of this role is to assess, value and manage the Equity book of CIB, as well as play a role in valuation and reporting of other equity exposures across the wider Standard Bank Group. The incumbent is required to play a key role in risk-assessing, originating, managing and reporting Equity Finance transactions originated by the Principle Structured Finance (PSF) Investment Banking team, the BEE Client Service Team (CST) or Equity Capital Markets (ECM) team.

QUALIFICATIONS

Minimum QualificationsType of Qualification: Masters Degree
Field of Study: Risk Management

Experience Required: 8-10 years

• Experience and application of extensive credit management, preferably in a Corporate & Investment Banking environment.

Risk & Corporate Affairs
Equity Risk
Experience Required: 3-4 years

• A track record operating in a wholesale business environment or a proven ability to understand holistic business, pricing and capital management issues. Exposure to syndicated loans and distribution strategies (origination and sell down a strong advantage).

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JOB DESCRIPTION

• To manage any assigned client relationships, (where applicable) with support from experienced relationship managers, across the end to end client engagement value chain, coordinating the origination and execution of client centric solutions ensuring the clients' needs are fulfilled, while managing risk, delivering exceptional client experience and contributing towards defined revenue targets.

QUALIFICATIONS

Minimum Qualifications

• First Degree in Banking

Experience Required

• 3-4 years proficient knowledge of the Standard Bank Group value proposition (includes products, services, and capabilities) and internal processes to develop the capability to represent Wholesale Clients in client facing interactions and support the end-to-end provision of flow and structured solutions to clients. Ensure any assigned clients remain up to date on the products and services relevant to their needs and credit analysis.
• 3-4 years' experience in conducting research, analysis, interpreting and packaging qualitative and quantitative data. Sound experience in compiling client documentation (pitch books, RFP's etc)
• 3-4 years' portfolio management - internal stakeholder collaboration, query management, compliance, reporting, middle office support, etc

ADDITIONAL INFORMATION

Behavioral Competencies:

• Adopting Practical Approaches
• Checking Details
• Conveying Self-Confidence
• Developing Expertise
• Documenting Facts

Technical Competencies

• Business Development
• Client Business Case
• Client Knowledge
• Client Retention
• Client Servicing