Manager, Credit Evaluation

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 assess and evaluate lending applications using sound credit risk and affordability assessments, financial principles and credit policies which will support the bank's asset book growth and manage credit losses by ensuring that lending credit principles are applied, and that lending is within the Bank's risk appetite parameters. Support business partners in understanding and meeting client lending needs and operating in one or more of the segments, as required by business.

Bachelor of Commerce Degree in Accounting or related.

Experience: 

• 5-7 years' experience in intuitive credit assessment and decisioning in relevant segment and products.
• Thorough knowledge and understanding of financial statements.
• Knowledge and understanding of repayment structures, collateral and collection processes within the banking environment. 

Key Impact Areas:

• Obtains and assesses client and financial information, including cash flows and cash flow forecasts, with a view to understanding the current debt levels and repayment requirements as relates to different products, and banks.
• Makes prudent credit decisions on lending applications and authority sought requests within the parameters of the relevant individual product policies and/or multiple product policy, relevant regulatory requirements such as the National Credit Act, and sound financial principles.
• Stipulates conditions for facilities, taking into consideration, credit risk policies and processes . Ensures credit risk is appropriately identified, mitigated and addressed in the initial assessment and the ongoing management of the exposure.
• Provides credit guidance and advice to business through the sharing of knowledge, coaching and assistance in improving the understanding and quality of credit risk.
• Acts as a partner to business in unlocking ecosystem & other client opportunities to support the achievement of asset growth within the bounds of responsible credit risk management and set risk appetite.

Behavioural Competencies:

• Articulating Information
• Documenting Facts
• Exploring Possibilities
• Interpreting Data
• Providing Insights

Technical Competencies:

• Credit Delivery
• Legal Knowledge
• Loan Assessment & Approval
• Risk Reporting