Manager, Credit Evaluation

Standard Bank Group; Centurion; On-site; ZAR 40 000 - 80 000; Full time

Job summary

Join a leading Africa-focused financial services group that is passionate about creating growth in Africa. This dynamic role involves assessing and evaluating lending applications, ensuring that credit risk principles are adhered to. You will manage a variety of lending products for business clients, contributing to the bank's asset book growth while minimizing credit losses. Collaborate with talented professionals in a supportive environment that values innovation and purpose. If you have a strong background in credit risk assessment and a desire to make a meaningful impact, this opportunity is perfect for you.

Qualifications

• 5-7 years experience in credit assessment within business banking.
• Thorough knowledge of financial statements and repayment structures.

Responsibilities

• Evaluate lending applications and manage credit risk assessments.
• Ensure adherence to lending credit principles and risk appetite.

Skills

Credit Risk Assessment

Financial Analysis

Stakeholder Management

Compliance

Risk Management

Education

Undergraduate Degree in Business or Finance

Field of Study: Agriculture

Job description

Company Description

Standard Bank Group is a leading Africa-focused financial services group and an innovative player on the global stage. We offer a variety of career-enhancing opportunities and 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 are passionate about creating growth in Africa, bringing true, meaningful value to our clients and communities, and creating a real sense of purpose for our employees.

Job Description

Assess and evaluate lending applications for clients by applying sound credit risk and affordability assessments, financial principles, and credit policies. This supports the bank’s asset book growth and manages credit losses by ensuring lending credit principles are adhered to and that lending remains within the Bank’s risk appetite parameters. The role includes managing a spectrum of lending products for business segment clients, such as specialised lending, trade finance, debtors finance, commercial property finance, agriculture (in particular), and others depending on the client and segment within which the Manager operates.

Qualifications

Minimum Qualifications

• Undergraduate Degree
• Field of Study: Business, Commerce, Finance and Accounting, or Agriculture

Experience Required

• Credit Risk-BCC
• Risk & Corporate Affairs
• Minimum of 5-7 years of experience in intuitive credit assessment and decisioning within relevant segments and products (e.g., business banking and agriculture).
• Thorough knowledge of financial statements, repayment structures, collateral, and collection processes within banking.
• Understanding of legalities related to lending and collateral.

Additional Information

Behavioral Competencies:

• Articulating Information
• Developing Strategies
• Directing People
• Embracing Change
• Examining Information

Technical Competencies:

• Compliance
• Risk Management
• Stakeholder Management
• Strategic Alignment & Execution
• Strategic Planning and Reporting

Please note: All our recruitment processes comply with applicable local laws and regulations. We will never ask for money or any form of payment during our recruitment process. If you experience this, please contact our Fraud line at [phone] or via email.