Credit Manager

Standard Bank Group; Douglas; Sur place; GBP 54 000 - 66 000; Plein temps

Résumé du poste

Standard Bank Offshore, the offshore arm of Standard Bank Group, is seeking an experienced Credit Manager to assess lending applications with robust risk analysis. You will work with stakeholders to guide prudent lending decisions and contribute to growing an asset portfolio within risk appetite.

The role requires ~10 years in credit risk, strong analytical and leadership abilities, and a deep understanding of Basel and regulatory standards.

Qualifications

• Approximately 10 years' experience in credit risk management within banking or financial services.
• Strong understanding of corporate credit risk, lending products and credit documentation.
• Comprehensive knowledge of credit policies, risk frameworks, Basel requirements and regulatory standards.

Responsabilités

• Assess and evaluate lending applications through robust credit risk assessment and affordability analysis.
• Provide expert credit guidance and prudent lending decisions to support asset book growth.
• Identify growth opportunities while ensuring lending decisions stay within risk appetite and regulatory framework.
• Maintain a high-quality credit portfolio and monitor covenants and drawdown controls.

Connaissances

Credit risk assessment

Financial analysis

Stakeholder management

Leadership

Deal structuring

Formation

Finance degree

Description du poste

Standard Bank Offshore is the offshore arm of the Standard Bank Group, a leading Africa focused financial services group, and an innovative player on the global stage. Our international Banking, Lending, Investment, Fiduciary and Wealth Management services offers a variety of career-enhancing opportunities – plus the chance to work alongside some of the sector’s most talented, motivated professionals.

Our clients range from individuals to businesses of all sizes, high net worth families and large multinational corporates and institutions. We’re passionate about creating growth in Africa and SBO is perfectly positioned to support the growth of our organisation from our office in the Isle of Man, Jersey, London, MAUs and South Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

Job Description

We are looking for an experienced Credit Managerto assess and evaluate lending applications through robust credit risk assessment, affordability analysis and sound financial principles. The successful candidate will support asset book growth while ensuring lending decisions remain within the Bank's risk appetite and regulatory framework.

Working closely with business stakeholders and relationship teams, you will provide expert credit guidance, make prudent lending decisions, identify growth opportunities and contribute to maintaining a high-quality credit portfolio.

Qualifications

• Articulate credit appetite based on risk appetite for sector and give guidance structure of deals and documents (legal and collateral) required. Undertake quantitative and qualitative financial analysis to develop a comprehensive understanding of counter party risks for new or increased facilities. Conduct annual risk reviews on the existing portfolio base. Make timeous, sound and pragmatic recommendations and decisions in managing accounts within portfolio
• Critically assess valuation assumptions, sustainable cash flows, loan-to-value, debt-service and interest-cover metrics, lease profile, tenant quality, vacancy, break options and marketability.
• Development experience advantageous in the event the mandate is extended to SBO. Skill-set to include assessment of cost-to-complete, equity contribution, contingency, presales or pre-lets, contractor and developer capability, drawdown controls and quantity surveyor reporting.
• Design or challenge fit-for-purpose security packages, guarantees, cessions, mortgage or other collateral arrangements, intercreditor terms and enforcement priorities.
• Ensure covenants, information undertakings, cure rights, conditions precedent and drawdown controls are measurable and effectively monitored.
• Degree in Business, Commerce, Finance or a related discipline.
• Approximately 10 years' experience in credit risk management within banking or financial services.
• Strong understanding of corporate credit risk, lending products, derivative products and associated credit documentation.
• Comprehensive knowledge of credit policies, risk frameworks, Basel requirements and applicable regulatory standards.
• Experience engaging with senior client stakeholders, including Managing Directors, Finance Directors and Financial Managers.
• Proven people leadership experience with the ability to develop high-performing teams.
• Strong analytical, decision-making and stakeholder management skills.

Advantageous

• Postgraduate qualificationwould be advantageous.
• Real estate (ideally UK), property finance or structured lending education.
• Examining Information
• Making Decisions
• Upholding Standards
• Directing People
• Risk Measurement
• Risk/ Reward Thinking

Additional Information

30 November 2026

Salary from £60,000