Credit Evaluation Manager - Johannesburg at Standard Bank Group

JOB DESCRIPTION

• Assessment and evaluation of lending applications for clients (individuals and businesses) based on sound credit risk and affordability assessments, financial principles and credit policies which will support growth of the asset book of the bank and manage credit losses by ensuring sound lending credit principles are applied at all times and that lending is within the Bank’s risk appetite parameters.
• Support business partners in understanding and meeting client lending needs.
• The jobholder may operate in one or more of the segments as required by business needs.

QUALIFICATIONS
Minimum Qualification

• Business Commerce / Financial / Accounting Degree (Non Negotiable)

Experience and Skills:

• 3 - 4 Years’ experience in intuitive credit assessment and decisioning in relevant segment and products (i.e. across personal, lifestyle & entrepreneur).
• Good knowledge and understanding of financial statements.
• Knowledge and understanding of repayment structures, collateral and collection processes within the banking environment.
• Understanding of legalities associated with lending and collateral.

ADDITIONAL INFORMATION
Behavioural Competencies

• Making Decisions
• Analysing Solutions
• Developing Relationships
• Coping with Pressure
• Taking Action

Technical Competencies

• Computer Literacy
• Risk Principles
• Legal Principles – Collateral
• Credit Process
• Credit Granting