Mezzanine Debt, Senior Credit Manager

Standard Bank Group; Johannesburg; On-site; ZAR 800,000 - 1,200,000; Full time

Job summary

A leading Africa-focused financial services group seeks an experienced Credit Risk Manager. The role involves assessing complex debt applications and managing portfolio risks within business banking, supporting growth while adhering to risk policies. Candidates should possess a CA qualification and substantial experience in credit assessments.

Qualifications

• 5-10 years experience in Credit Risk management.
• 3-5 years specific to Business or Commercial Banking.
• Experience with mezzanine and junior debt instruments.

Responsibilities

• Credit assessment and evaluation of specialised senior debt lending applications.
• Manage credit risk throughout the credit life cycle.
• Support dealmakers in lending origination.

Skills

Credit risk assessment

Financial analysis

Legal structuring

Risk management

Team working

Education

CA (SA)

B.Com or equivalent in Accounting

Job description

Company Description

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that 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. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

Job Description

• Credit assessment and evaluation of specialised senior debt and/or mezzanine and junior debt lending applications for businesses within Business and Commercial Banking leveraging deep financial, legal and debt structuring skills, whilst ensuring application of sound credit risk principles and risk policies to manage credit losses and support asset book growth within risk appetite.
• Apply and engage in dealmaking to support dealmakers in lending origination.
• Manage and continuously assess the credit risk of the allocated portfolio through the credit life cycle, proactively managing the credit risk of the asset book within Bank risk appetite.
  
  

The jobholder may operate in one or more of the segments as required by business needs.

Qualifications

Type of Qualification: CA (SA)

Field of Study: Accounting

Experience Required

Credit Risk – BCB

5-10 years

Credit risk assessment as a mandate holder in Business or Commercial Banking

3-5 years

Experience in mezzanine and junior debt instruments, as well as quasi-equity transactions.

Additional Information

Behavioural Competencies:

• Adopting Practical Approaches
• Developing Expertise
• Empowering Individuals
• Examining Information
• Exploring Possibilities
• Generating Ideas
• Interpreting Data
• Team Working
  
  

Technical Competencies:

• Deal Appraisal
• Economic Capital Management
• Evaluating Risk Management Effectiveness
• Industry Knowledge
• Local Market Knowledge
• Product Development
• Risk Awareness
• Risk Identification
• Risk Management
  
  

Please note: All our recruitment processes comply with the applicable local laws and regulations.

We will never ask for money or any form of payment as part of our recruitment process. If you experience this, please contact our Fraud line on [phone] or [email protected]