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.



The provision of comprehensive credit risk structuring and origination, as part of the CIB Client Service Teams (xe2x80x9cCSTsxe2x80x9d) and deal teams, to ensure the origination of new deals is completed within risk appetite and agreed turnaround times for the CIB P&I, Credit Risk team.
To provide an efficient and effective credit origination, approval, and management process in respect of the allocated Corporate & Investment Banking portfolio (Power and Infrastructure). 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.

Key Responsibilities:
Client Engagement:
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.
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 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)
• MBA qualification would be an advantage.

• 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. Knowledge of financial markets (Global and especially African economies)
• 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 good understanding of accounting (both management and financial accounting) to analyse financial strengths and weaknesses of clients and identify potential risks to credit proposals.
• At least 5 years demonstrated experience in managing senior level stakeholders.
• 3-4 years well developed knowledge of financial markets, the global economy, and appropriate regional geographies in which the portfolio operates.
• Demonstrated Credit Risk experience within the Power and Infrastructure sector, as well as project finance, leverage finance and/or other structured transactions experience would be preferred.

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

• Risk Analysis
• Risk Measurement
• Risk Identification

Standard Bank