Credit Analyst

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 assist the Workplace Banking and Personal Banking team with the origination of credit proposals within acceptable turnaround times. Overriding objective is to grow the Bank’s lending book and maintain a high quality of lending assets through timely preparation of good quality credit applications.

Type of Qualification: First Degree

Field of Study: Business Commerce, Finance & Accounting or any other related field

Experience Required

5-7 years

• Risk appropriate determination of risk grades incorporating structures, cash flows, covenants etc
• Determination of credit appetite including (i) appropriateness of proposed structure considering tenor, profile, commodity price volatilities and ranking, (ii) concentration risk exposure 
• Identification and assessment of all pertinent risk areas together with mitigating factors
• Understanding of underlying price sensitivities and applicable work-out-scenarios in the event of default
• Being solutions orientated, providing innovative solutions to lending
• Appropriate project management of the credit deal pipeline
• Robust risk assessment of collateral, capital use and risk / return
• Thorough understanding of the underlying industries and state of economy
• Experience in credit monitoring (existing security, excesses, security cover ratios, collateral management reports etc.)
• Well proven credit skills and the ability to analyse a credit applications' risk and benefit parameters and present a sound business justification for the requested facility.

Behavioural Competencies:

• Checking Things
• Exploring Possibilities
• Interpreting Data
• Meeting Timescales
• Providing Insights
• Upholding Standards

Technical Competencies:

• Application & Submission Verification 
• Business Acumen
• Client Relationship Management
• Data Compliance
• Product and Services Knowledge
• Risk Management
• Strategic Business Relationship Management
• Credit Analysis Skills