Credit Origination Analyst

Standard Bank Offshore is the offshore arm of the Standard Bank Group, a leading Africa focused financial services group, and an innovative player on the global stage. Our international Banking, Lending, Investment, Fiduciary and Wealth Management services   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 and SBO is perfectly positioned to support the growth of our organisation from our office in the Isle of Man, Jersey, London, MAUs and South Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.

To support the Credit Origination Manager, Relationship Managers (RMs), and the relevant Product Heads in originating, assessing, preparing, and monitoring structured solutions credit applications for Business and Commercial Banking clients operating across the allocated market. To deliver high-quality credit papers, robust financial analysis, and efficient end-to-end credit origination processes while enhancing the overall client experience and contributing to sustainable portfolio growth.

Minimum Qualification: 

• First Degree in Business Commerce

Experience Required :

• 5 - 7 years experience in Business & Commercial Banking
• Experience in credit analysis, commercial lending, or related areas with a demonstrated ability to prepare, analyse and motivate commercial credit applications. Experience with financial modelling, property valuation concepts, and deal appraisal. Exposure to Offshore lending or multi-jurisdictional financial systems advantageous.

Key Outputs :

• Partner with the Origination Manager and RMs to structure debt solutions to ensure deals are bankable, aligned to client needs and the bank’s credit appetite, thereby improving approval probability and client satisfaction.
• Participate in deal discussions/negotiations by providing analytical input and risk considerations to enable sound commercial decision‑making and ensure deal structures are sustainable and within risk appetite.
• Assist in drafting terms sheets, pricing proposals, and transaction summaries to facilitate timely engagement with clients and internal stakeholders, accelerating the deal cycle and supporting competitive positioning.
• Support due diligence processes across vanilla and semi-structured lending solutions to identify and mitigate early transaction risks, ensuring high‑quality credit submissions.
• Prepare high-quality, well-motivated credit proposals for new and existing clients to drive efficient decisions, reduce credit returns, and enhance the bank’s reputation for strong credit governance.

Behavioural Competencies:

• Adopting Practical Approaches
• Challenging Ideas
• Convincing People
• Developing Expertise
• Developing Strategies

Technical Competencies:

• Banking Process & Procedures
• Business Acumen (Audit)
• Customer Acceptance & Review (Business Banking)
• Customer Understanding (Business Banking)
• Financial Acumen
• Risk Identification

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