Manager, Credit Evaluation

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 most talented, motivated professionals in the sector. 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 sense of purpose for our employees.

Job Description

The role involves assessing and evaluating lending applications for clients by applying sound credit risk and affordability assessments, financial principles, and credit policies. The goal is to support the bank’s asset book growth and manage credit losses by ensuring lending adheres to credit principles and risk appetite parameters. This includes managing a spectrum of lending products such as specialised lending, trade finance, debtors finance, commercial property finance, and agriculture-related finance, 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

• 3-5 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 in banking
• Understanding of legalities related to lending and collateral

Additional Information

Behavioral Competencies:

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

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 +27 800222050 or [email protected].