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.



To provide an efficient and effective credit origination, approval, and management process in respect of the allocated Corporate & Investment Banking portfolio (Consumer). Develop and maintain co-operative relationships between all stakeholders in the CIB credit value chain, ensuring the appropriate, timely and effective management of the allocated portfolio, while assisting with skills dissemination to others, as well as investment in one's own growth.

Credit origination and evaluation: Review and understand complex transactions to facilitate an effective risk assessment, thereby gaining an understanding of risk impacts. Analyse credit applications to assess whether the credit risk is in line with the Bank's Credit Appetite and relative to the profitability of the deal. To ensure comprehensive credit risk structuring and that the origination of new deals is completed within risk appetite and agreed turnaround times for the CIB Consumer Credit Risk team.

Ensure the appropriate and effective management of allocated portfolio: Apply knowledge of Credit policies and practices, and proactively identify and communicate key risks as they arise.

Ensure efficient and effective internal and external stakeholder engagement: Proactively develop and manage relationships with key internal and external stakeholders. Build and develop relationships across the firm with various stakeholders, with the intention of breaking down silos to maximise business growth.

Qualifications

• Hons/ Masters or other industry relevant qualification (CFA, FRM)
• CA / CIMA qualification would be an advantage.
• 5 years in-depth understanding of accounting (both management and financial accounting) to analyze financial strengths and weaknesses of clients and identify potential risks to credit proposals.
• 5-7 years thorough conceptual and practical knowledge of credit procedures, policies, and standards within Corporate & Investment banking, as well as a thorough understanding of the banks products and facilities that give rise to counterparty credit risk. Seasoned understanding of Basel and broader regulatory and compliance requirements.
• 5 - 7 years understanding and working knowledge of risk systems monitoring and its related procedures for analysing the account behaviour of clients and identifying trends and shifts in credit risk profiles. Seasoned technical understanding of non-credit risks encountered within transactions.
• 3-4 years well developed knowledge of financial markets, the global economy, and appropriate regional geographies in which the portfolio operates
• 3-4 years seasoned understanding of lending and derivative products and facilities that give rise to counterparty credit risks, including the documentation required/presented to manage that risk.
• 5 years demonstrated experience in managing senior level stakeholders.

• Analyzing Insurable Risk
• Risk Identification
• Risk Measurement

• Interacting with People
• Examining Information
• Team Working
• Checking Details
• Conveying Self-Confidence

Standard Bank