Manager, Credit Evaluation at Standard Bank Group

About the Job

Job Description

• Assessment and evaluation of lending applications for clients (individuals and small to medium 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.

Minimum Qualifications

• Applicable accounting/financial degree .

Experience Required

• Credit Risk-BCC
• 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
Behavioral Competencies:

• Articulating Information
• Interpreting Data
• Making Decisions
• Taking Action
• Team Working
• Upholding Standards

Technical Competencies :

• Loan Processing
• Account Opening & Maintenance
• Credit Delivery
• Application & Submission Verification (Business Banking)
• Customer Acceptance & Review (Business Banking)
• Product Knowledge (Business Banking)
• Product Related Systems (Business Banking)