Job Opportunities at Standard Bank Group

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  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.

Experience 

Years: 5-7 Years

•  Experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across business, entrepreneur, lifestyle and personal). Thorough knowledge and understanding of financial statements. Knowledge and understanding of repayment structures, collateral and collection processes within the banking environment. Understanding of legalities associated with lending and collateral and should hold a mandate not less than R50Mil.
• Experience in Agric sector is essential

QUALIFICATIONS

• B/Comm Accounting or Financial Management Degree or Credit Diploma 

ADDITIONAL INFORMATION

Behavioural Competencies

• Making Decisions
• Analysing Solutions
• Developing Relationships
• Coping with Pressure
• Team Working

Technical Competencies

• Interpreting Data
• Developing Expertise
• Showing Composure
• Resolving Conflict

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JOB DESCRIPTION

To lead, manage & deliver an integrated and independent Risk Management Function to enable Standard Insurance Limited to seize opportunities in pursuit of growth, by managing Risks in a manner that balances the interests of clients and other stakeholders, while protecting the safety of the Enterprise, ensuring the ethical standards are adhered to. 

• To co-ordinate the establishment and maintenance of an effective risk management system including ensuring appropriate processes are in place to identify, assess, measure, manage, monitor and report on all material risks to which SIL is exposed.
• To promote a sound risk culture within SIL, ensuring appropriate ownership and management of risks at all levels.
• To establish clear, effective and efficient governance processes associated with the oversight, approval and delegation of authority with regards to risk related activities.
• To ensure alignment of the SIL risk management system with the policies, standards and processes set at an SBG and IAM level.
• To develop, shape and own the risk appetite, risk standards and risk management operations of SIL. 
• To enable SIL to consciously seize opportunities in pursuit of growth, by managing business and associated risks in a manner that balances the interests of clients and other stakeholders, while protecting the safety and soundness of the business thereby ensuring the right risk-reward balance is achieved.
• To support the maintenance and oversight of the risk management system for short-term insurance across all entities within SBG.
• Owns and drives the process of embedding the SAM (Solvency Assessment and Management) Pillar II Risk and Governance frameworks and requirements for Standard Insurance Limited in terms of the Insurance Act and related Standards.

QUALIFICATIONS

• Honours Commerce Degree 
• Preferred: Master's Commerce Degree 
• Post graduate degree in Risk Management (Member of the Institute of Risk Management in South Africa)
• Post graduate qualification in Insurance: Fellow of the Insurance Institute of South Africa
• Post graduate degree in Actuarial Science (Member of the Actuarial Society of South Africa (ASSA) and/ or associated international professional membership)
• Chartered Accountant (Member of the South African Institute of Chartered Accountants and/or associated international professional membership)

Experience required:

• Extensive experience in Insurance risk management (in a financial services organisation across geographies will be an advantage)
• Extensive experience in managing insurance risk (short-term) for personal and business portfolios
• Experience in managing investment risk for an Insurance portfolio
• Extensive experience in managing broader non-financial risks is required.

ADDITIONAL INFORMATION

Behavioral Competencies:

• Challenging Ideas
• Convincing People
• Developing Expertise
• Developing Strategies
• Directing People
• Embracing Change
• Empowering Individuals
• Exploring Possibilities
• Making Decisions
• Providing Insights
• Upholding Standards
• Valuing Individuals

Technical Competencies:

• Evaluating Risk Management Effectiveness
• Evaluation of Internal Controls
• Financial Acumen
• Legal Compliance
• Promote Good Governance, Risk & Control
• Quality Orientation

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JOB DESCRIPTION

• Provides support to the branch network regarding product updates, training, criteria changes and acquisition tactics.
• To support home loan sales through the branch channel and provide relationship management, support, coordination and technical expertise to internal channels (i.e., Universal and Private Bankers)

QUALIFICATIONS

Minimum Qualifications

• NQF 6 Qualification (Business Commerce related)

Experience

• 3-4 years significant experience in a sales and banking environment as well as experience in Marketing.
• Home Loan Knowledge and understanding of the features, benefits and pricing of the products and services on offer to customers

ADDITIONAL INFORMATION

Behavioural Competencies

• Articulating Information
• Establishing Rapport
• Making Decisions
• Adopting Practical Approaches
• Documenting Facts

Technical Competencies

• Financial Systems Administration
• Business Acumen
• Product Knowledge
• Compliance
• Interpreting Financial Statements