Manager, Credit Evaluation - Enterprise at Standard Bank Group

Job Description

Assessment and evaluation of lending applications for enterprise clients 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 always applied and lending is within the Bank’s risk appetite parameters. This will include the spectrum of lending products available to the Enterprise clients. Support business partners in understanding and meeting client lending needs.

The job holder may operate in one or more of the enterprise segments as required by business needs.

Qualifications

Minimum Qualification

• Degree Finance and Accounting
• National Certificate Finance and Accounting
• B/Comm Accounting or Financial Management Degree or Credit Diploma or other relevant credit training

Experience Required 

• 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
• Coping with Pressure
• Acting
• Developing Relationships
• Team Working

Technical Competencies

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