Job Description

Job Overview
Business Segment: Corporate & Investment Banking
Location: ZA, undefined, Johannesburg, undefined
Job Type: Full-time
Job ID: 80143657
Date Posted: 11/30/2023



To manage a portfolio of counterparty credit risks associated with lending, trading, and investing activities, with the primary objective of assessing and managing risk within acceptable parameters as well as manager a team of other Credit Analysts.

Coordinate and ensure that the post-approval implementation of facilities and legal documentation is in accordance with the conditions of sanction. Follow up and address non-adherence to terms and conditions of sanction by counterparties; to consider the inherent risk therein and to make recommendations as to action to be taken to regularise or mitigate such increased risk. Coordinate research in respect of industry & market risk in relation to counterparty exposures on the underlying portfolio.

Develop and manage relationships with key internal and external stakeholdersproactively. Hold primary relationship with clients and handle all aspects of client interaction including coordinating and execution of transactions. Work closely with front office to secure deals by providing the appropriate structuring advice at the appropriate DA (Delegated Authority) level.

Ensure the effective management of Credit Portfolio Allocated. Formulate and recommend and/or evaluate credit proposals, with a comprehensive risk assessment for new or increased facilities, as well as annual risk reviews on the existing portfolio base. This will usually entail visiting the customer and engaging at MD (Managing Director), FD (Financial Director) or FM (Financial Manager) level, and where necessary. Present applications to Credit committees consisting of Exco members.

The role is based in Cape Town or Johannesburg.

Qualifications
Degree in Business Commerce, or Risk Management, or Finance, or Engineering & BSc (Masters degree is advantageous)
1-2 years of Risk & Corporate Affairs, well developed knowledge of financial markets, global economyand appropriate regional geographies in which portfolio operates.
3-4 years Good understanding of vanilla lending and derivative products andfacilities that give rise to counterparty credit risks, including the documentationrequired/presented to manage that risk.
3-4 years Thorough conceptual and practical knowledge of credit procedures,policies and standards, as well as a thorough understanding of products and facilities that give rise to counterparty credit risk. Understanding of Basel and broader regulatory and compliance requirements.
Additional Information

Behavioral Competencies:
Checking Details
Conveying Self-Confidence
Directing People
Establishing Rapport
Examining Information
Exploring Possibilities
Interacting with People
Making Decisions
Managing Tasks
Meeting Timescales
Team Working
Upholding Standards

Technical Competencies:
Risk Identification
Risk Management
Risk Measurement
Risk/ Reward Thinking

Please note: All our recruitment processes comply with the applicable local laws and regulations. We will never ask for money or any from of payment as part of our recruitment process. If you experience this, please contact our Fraud line on +27 800222050 or TransactionFraudOpsSA@standardbank.co.za