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  • Posted: Aug 14, 2019
    Deadline: Not specified
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  • Standard Bank Group is the largest African banking group by assets offering a full range of banking and related financial services. “Africa is our home, we drive her growth” Our vision is to be the leading financial services organisation in, for and across Africa, delivering exceptional client experiences and superior value. This sets the prim...
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    Senior Credit Risk Analyst

    • To inform key stakeholders with superior analysis in order to ensure the most efficient allocation of funds within the retail credit environment
    • Manage credit risk and related projects, and work with a team that is responsible for the health of the credit portfolio. You will analyse consumer credit data in order to make informed credit decisions and recommendations
    • Consulting with key stakeholders that have analytical requirements, whilst proactively seeking to optimise the portfolio of customers by identifying and implementing value adding solutions
    • Building collections and/or originations strategy solutions that manage and grow the portfolio within risk appetite
    • Ongoing creation and optimisation of reporting

    Key Responsibilities/Accountabilities

    • Creating and implementing risk based strategies within collections and/or originations to ensure portfolio optimisation
    • Monitoring the quality of the credit portfolio, by creating and evaluating risk reports and investigations
    • Reviewing and enhancing credit limits to ensure that business exposure levels are met and that products are attractive to the lowest risk customers
    • Evaluation and optimisation of credit scoring predictive models
    • Building and evaluating forecast models for future defaults and roll rates
    • Perform data-oriented ‘‘ad-hoc’ analysis to support business strategy optimization in credit
    • Use data-oriented approach to work with stakeholders in solving complex business problems around profitability, marketing, risk, and operational analysis
    • Propose test and learn strategies to foster innovation
    • Understanding the legal and regulatory rules that need to be adhered to in terms of the national credit act and ensuring that these are observed within our risk decisions
    • Be proactive in Self and Team Development

    Preferred Qualification And Experience

    • Science degrees (MSc, BSc) -Math, Stats, IT, Actuarial Science, Economics, Engineering
    • Relevant business related tertiary qualification
    • SAS / SQL / VBA / Other Coding Languages
    • Advanced computer literacy skills with a high proficiency in MS Excel, Word and PowerPoint
    • 3-4 years of experience in an analytical role

    Knowledge/Technical Skills/Expertise

    • Strong analytical skills and self-motivated driver of performance
    • Performance-driven and results-orientated with a relentless drive to succeed
    • Excellent interpersonal communication (verbal & written) abilities
    • The ability to prioritise and multi-task, within a fast-paced and pressurised environment
    • Strong planning, organizing and coordinating skills
    • Exceptional attention to detail with a thorough approach to work
    • An energetic positive approach to problem solving
    • Positive assertiveness

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    Manager, Business Mogale

    • To provide a proactive business banking sales and service management function that will retain and grow a portfolio of small enterprise customers by identifying and implementing value adding and specialised business banking financial product solutions from a range of standard and/or customised offerings.

    Key Responsibilities/Accountabilities

    • Achievement of Sales targets
    • Achievement of Economic Profit targets
    • Achievement of NPS (Net Promoter Score) targets
    • Satisfactory risk and compliance audit results
    • Positive stakeholder feedback
    • Engaged and motivated people
    • Number of queries and complaints logged effectively and correctly.
    • Number of leads submitted resulting in a sales conversion.
    • Number of cross selling opportunities identified resulting in sales conversion.

    Preferred Qualification and Experience

    • Matric
    • Relevant business related tertiary qualification
    • Certification in Leadership and Management skills would be an advantage
    • Minimum of 3 years in Business Banking
      Experience as a Business Banker/managing a portfolio in the small business environment is preferable. This experience provides an understanding of how businesses operate, as well as understanding the business risks, industry risks and financial requirements pertaining to the Small Enterprises market and/or;

    Knowledge/Technical Skills/Expertise

    • Good knowledge of general banking practices and procedures.
    • Sound numerical skills and financial acumen to analyse and evaluate financial statements, balance sheets and ratios.
    • A sound understanding of cash flow cycles pertaining to the industry being analysed.
    • A basic current knowledge and understanding of different industry sectors and sector risk trends
    • A thorough knowledge of standardised SE business banking products (features and benefits) and pricing.
    • Good knowledge of Personal Banking product offerings.
    • A good knowledge of financial investment options, vehicle and asset finance and electronic banking options for lead generation purposes.
    • A basic understanding of market economics.
    • Knowledge of competitor offerings.
    • A sound working knowledge and understanding of Credit principles and practices i.e. credit applications, collateral, balance sheet requirements, behavioural scoring.
    • A strong knowledge of the terms and conditions of multiple legal entities (companies, close corporations, sole proprietorships etc.) in the SE market and the legislative restrictions and requirements governing these from a financial services perspective.
    • A basic knowledge of the Companies Act and the Companies and Intellectual Properties Registration Act (CIPC) for correct documentation/ mandate preparation purposes.
    • Knowledge of the Financial Advisory and Intermediary Services Act (FAIS) and the Financial Intelligence Centre Act (FICA).
    • A sound knowledge of Managing Local Market (MLM) sales principles and practices to optimise portfolio retention and growth.
    • A good knowledge of administration processes and procedures pertaining to Business Banking transactions.
    • Knowledge of how to use the Group Reference Guide to access/ look up relevant information.

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    Credit Life Non-Medical Assessor, SBIB, Wealth Insurance

    • Ensure that all claims are valid through the assessment process
    • Do necessary checks and confirmations as laid down by company procedures
    • Is able to assess and admit Death claims e.g. > 2 years and send through for signoff
    • Is able to assess Retrenchment claims
    • Ensure and check that all claims have undergone administration procedure
    • Is able to call for additional requirements needed to assess claim
    • Compile assessing claim statistics
    • Synopsising of all claim information to make a decision on the maven claim system
    • Follow up on outstanding claims
    • Elevating ex-gratia claims and getting the relevant information
    • Keeping up-to-date with the market changes, legislation and implementing changes
    • Work within the claim’s turnaround times
    • Is able to detect a fraudulent claim and meet individual fraudulent target

    Internal

    • Liaise with Credit Life Call Centre and claims consultants to explain decisions and ensure that communication to customer or business unit is correct
    • Liaise with IT Department on any system related problems
    • Compliance on all compliance related issues

    External

    • Liaise with outside companies, home affairs, clients, estate officers etc, to obtain relevant checks and confirmations
    • Forensic investigators

    Preferred Qualification And Experience

    • At least 2 years Life Insurance background
    • Matric
    • RE 05
    • FAIS 120 credits

    Knowledge/Technical Skills/Expertise

    • Life Insurance background required
    • Computer Literacy, Word and Excel

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    Private Banker, Fourways Catchment

    • To proactively promote a relationship based offering through a primary point of contact, this meets client expectations by providing personalised financial solutions in line with the Value Proposition.
    • To provide a competent relationship based offering to a Sub-Segment within the Private Banking Segment, that provides highly responsive and pro-active financial and business solutions, focused on the managing and building of wealth, in partnership with small business owners supported by expertise of specialists.
    • To maintain a high level of integrity and ethical standards

    Key Responsibilities/Accountabilities
    Service and Retention

    • Establishes and builds one-on-one relationships with customers, based on mutual respect, in assigned portfolio by delivering the expected level of service, specifically focusing on a pro-active contact (calling) strategy and programme.
    • Ensures successful retention of existing customers in assigned portfolio by strengthening and expanding relationships. This is achieved by thoroughly understanding the customer, servicing the customer’s business and personal financial needs and focusing on the management of key accounts.
    • Interacts and builds relationships with Business Banking Account Executive’s and (CIB) Corporate and Investment Banking Relationship Managers, in order to provide a seamless solution to the client’s banking requirements.
    • Assists with related queries where possible, and facilitate when specialist advice is required by referring to Business Banking or CIB.
    • Manages the “Cost of Sales” through evaluation of margins, cost of service and utilisation of the multi-channel delivery strategies, such as actively managing customer migration onto electronic banking channels. Manage customer migration between segments and sub-segments of Private Banking.
    • Actively ensures that customers are migrated to the correct sub-segment, as per the Value Propositions where appropriate.
    • Effectively attends to and monitors customer complaints on portfolio, identifies root causes and addresses at source, to prevent recurrence
    • Communicates new product information to all customers

    Profitable Growth in Portfolio Sales

    • Acquires new business for the Executive Sub-Segment market in line with the Customer Value Proposition segment income specifications, acquisition targets and/ or segment strategy to increase market share and specific sales strategies.
    • Maximises bank profitability and ensures value add to customers through cross-selling specifically focusing on wealth and lending opportunities.
    • Joins and supports business organisations that will assist in the acquisition of appropriate customers.
    • Measures, tracks and manages sales targets and budgets for portfolio.
    • Manages work list queues to ensure items are actioned within agreed timelines, and/or re-assign staff to different queues to ensure work completed within agreed timelines
    • Ensures staff are appropriately reflected on the organisation structure for distribution of work items to the correct staff/teams
    • Monitors and manages the performance of team members, as it relates to Leads, Queries and Complaints management.
    • Coaches staff on the required behaviours to support Customer 1 st tool

    Lending Management

    • Structures credit applications effectively, focusing on high quality motivations.
    • Advises customers on lending product selection, by recommending products to meet their specific needs.
    • Fulfills a training/coaching role through upskilling the Transactional Banker’s regarding their credit knowledge.
    • Restructures debt for efficiencies through debt consolidation, thereby bringing a customer’s asset base under one roof.
    • Establishes a sound working relationship with Credit, to ensure prompt turnaround times, accuracy and deadlines are strictly adhered to
    • Manages the timeous completion of annual credit reviews on the portfolio

    Risk Management and Compliance

    • Complete all compliance training within laid down timelines.
    • Ensures complete disclosure to clients in terms of accreditation, service fees and commission, in terms of Financial Advisory and Intermediary Services Act (FAIS)
    • Ensures that procedures laid down in Group Reference Guide are adhered to and, where flexibility needs to be exercised, that the necessary dispensation is held
    • Ensures Code of Banking Practice is adhered to.
    • Maintains information on Security and access control system (SACS) for the relevant private banking suite as per laid down procedure(if applicable).
    • Complete subpoena / court order tracking sheet when documents are received and forward to Transactional Banker for execution (Submit to Group Legal: Legal Advisory Services (LAS)
    • Ensures that the Transactional Banker has sent through the relevant documents to Group Legal through regular follow ups
    • Responsible to sign all Affidavits before leaving the Branch

    People Management

    • Responsible for inspiring, motivating, leading and managing the team.
    • Responsible for the recruitment, development and retention of relevant skills in order to meet the business needs.
    • Ensures the effective selection of staff by matching the skills and competencies to the requirements of the job.
    • Ensures skills assessments and competency-based training takes place as and when required.
    • Ensure 100% compliance training for all staff.
    • Builds organisational capabilities through evaluating likely future requirements and ensuring that individuals are provided with the best possible development opportunities in line with these.
    • Creates an environment in which learning and development are emphasised and valued.
    • Takes personal responsibility for coaching and mentoring others.
    • Effectively delegates authority and responsibility, in line with business objectives, to ensure the empowerment, motivation and effectiveness of all direct and indirect reports.
    • Promotes a culture where the values of the Bank are seen to be ‘alive’
    • Ensures the implementation of the leadership promise and employee engagement programme.
    • Encourages team members to express their views, resolves issues raised by the team, escalates issues if required, and provides feedback to teams on an ongoing basis.
    • Develops and maintains an open communication channel with direct reports and supports staff to foster greater co-operation and teamwork.
    • Monitors and manages the performance and development of staff within the area. This includes regular one-on-one feedback sessions, conducting mid-year and final performance appraisals, as well as the moderation and relative distribution of all appraisals for the team
    • Fosters the transformation of the workplace and supports business in the achievement of the undertakings in the transformation scorecard, with specific attention to attaining the Department of Trade and Industry (DTI) targets for Standard Bank by 2016
    • Ensures staff are appropriately and consistently rewarded and recognised for their achievements and outputs
    • Ensures that disciplinary action and grievances are addressed and aligned to the Standard Bank policies and procedures
    • Ensures that the administration regarding staff changes for e.g. Personnel Record Update (PRU’s) are actioned for the relevant department.

    Preferred Qualification and Experience

    • Matric
    • RE5/ RE1
    • The Academy of Financial Markets qualification (needs to be completed over a period of 2 years from the date of appointment to this role of Private Banker)
    • Must complete one of the Qualifications listed on the FSB recognised list within the allocated time (FAIS recognised qualification)
    • 4 – 5 years’ branch banking experience, with exposure to telling, enquiries, service, BDC/Forex, assets and overall customer service.
    • Must have relevant intermediary experience in respect of the FAIS product subcategories applicable to this role

    Knowledge/Technical Skills/Expertise

    • Computer literate
    • Good negotiation skills
    • Good mentoring and coaching skills
    • Excellent leadership skills

    Method of Application

    Use the link(s) below to apply on company website.

     

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