Latest Jobs at Investec

Description

• The Service and Entrenchment Banker is responsible for day-to-day servicing, client relationship management, and proactive entrenchment within the existing base of Affluent clients. The role ensures seamless client experience, deepening product penetration, cross-selling opportunities, and driving operational excellence across all service touch-points.

Key Responsibilities

Sales Management

• Marketing and sales of all Private Banking products as per budget, requires in-depth knowledge and understanding of the Banking products and broader Private Bank Client Value proposition.
• Meeting specified targets per activity (including Lending, Treasury, Forex, etc)
• Driving proactive client contact and managing client expectations.

Client Service & Relationship Management

• Serve as the central point of contact for all existing client needs and service requests.
• Provide high-quality, responsive, and professional service across all touch-points.
• Proactively contact clients to understand needs, resolve issues, and drive entrenchment.
• Drive high Client Experience Measures and first-contact resolution metrics.
• Retain clients by delivering exceptional service and reducing account closures.
• Maintain updated client information (personal details, passion points, employer, marital status, beneficiaries, etc.).

Entrenchment & Cross-Selling

• Cross-sell the full Investec Private Banking product offering to deepen relationships.
• Increase product-per-client ratios and contribute to Rewards tier uplift (PAU, Rewards levels movement).
• Identify and act on wallet-share opportunities by mining existing client data.
• Partner with Financial Advisory teams (Insure & Invest) for relevant client opportunities.
• Drive digital adoption (App & Online Banking).

Operational Excellence & Administration

• Execute all product applications and service tasks with accuracy and within SLA.
• Ensure clean, accurate data quality on all systems (KYC/AML, client information, Basel ratings).
• Manage task turnaround times (STP, rejected tasks, processing accuracy).
• Draft and process documentation where required (loan agreements, guarantees, new product onboarding).
• Participate in UAT, forums, and operational improvement projects.

Stakeholder & Cross-Functional Engagement

• Collaborate with BET teams, Credit, Treasury, Wealth & Investment, Capital Markets and other internal teams.
• Act as an enabler by coordinating solutions for clients across the Investec Group.
• Support Sales & Growth Bankers during client handovers or onboarding transitions.

Qualifications, Experience and Skills

• 3+ years financial services experience, preferably in client service, operations, or banking.
• Strong operational understanding, including deal implementation processes.
• High service orientation with ability to manage complex client needs.
• Strong analytics skills and ability to interpret client data for entrenchment opportunities.
• Excellent communication, relationship building, and problem-solving skills.
• BCom Degree preferred (Accounting I/II or BCom Law).
• High attention to detail and strong administrative discipline.
• Passion for client service with a “can-do” mindset.
• Comfortable in a fast-paced, high-volume environment.
• Tenacious, curious, entrepreneurial thinker.
   

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Description

• Sales/Growth Banker (New Client Acquisition – Origination, Conversion, Onboarding)
• The Sales/Growth Banker is responsible for origination, building new client relationships, and converting leads to onboarded Private Bank clients within the Private Suite Affluent segment. This role drives growth by identifying opportunities, presenting the Investec value proposition, and ensuring high-quality onboarding with embedded entrenchment from day one. This banker is the primary owner of new and prospective clients.

Working hours:

• You will be required to work a maximum of 5 days a week (Monday – Sunday) which includes weekends and public holidays. 
• Working hours are applicable to the business and shifts will be allocated in accordance with a roster (which is subject to change from time to time).

Key Responsibilities

New Client Acquisition & Origination:

• Proactively acquire new Affluent clients in line with strategic growth targets
• Present the full Private Banking offering to prospective clients.
• Conduct needs analysis and align solutions to client goals and lifestyle.
• Own end-to-end lead-to-onboard conversion pipeline, ensuring all leads actioned by sunset daily.
• Drive lending growth through first-line credit assessment and structuring of deals.
• Build market presence through networking, strategic origination, and professional partnerships

Onboarding & Initial Entrenchment

• Manage high-quality onboarding for every new client, all required digital adoption steps completed.
• Capture complete and accurate client information at onboarding (passion points, dependents, employer, region, segment details).
• Cross-sell relevant products at point of onboarding.
• Ensure smooth handover to Service & Entrenchment Banker for ongoing relationship management.

Deal Structuring & Credit Engagement

• Apply first-line credit (target market, affordability, deal quality).
• Analyse financial statements, structure lending deals, and prepare credit submissions.
• Present and motivate lending proposals to Credit Forums when required.
• Partner with Treasury, Forex, and other product houses to deliver holistic client solutions.

Stakeholder Relationships

• Work closely with Service and Entrenchment Bankers for seamless transition post-onboarding.
• Partner with Financial Advisory, Treasury, and other Investec divisions to maximise value for clients.
• Maintain a strong CRM discipline and track all pipeline activity.

Qualifications, Experience and Skills

• 3 - 4+ years financial services experience with strong sales and origination track record.
• Demonstrated ability to meet acquisition and revenue targets.
• Proficiency in analysing financial statements and structuring lending solutions.
• Deep understanding of Private Banking products and client needs.
• Strong interpersonal and presentation skills.
• Entrepreneurial and strategic thinker.
• Bachelor's degree preferred.

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Description

• The Account Services Platform delivers the core technical capabilities for account-based and transactional banking services in the UK. The team is responsible for reconciliation, reporting, financial controls, and accurate financial representation of client transactions, while working in an agile, delivery-focused environment with close collaboration across channels, operations, risk, and finance. 
• You will leads the vision, strategy, and roadmap for the UK transactional banking platform, delivering secure, scalable, and compliant account services. The role drives product value by balancing customer needs, business priorities, regulatory requirements, and technology modernisation, while providing strategic leadership, people leadership, and coaching to cross-functional teams across the UK and South Africa. It also fosters strong stakeholder relationships, promotes collaboration, and ensures successful product delivery and continuous platform evolution.  
• The Core Banking Platform provides the account, ledger, product configuration, balance, interest, fees, overdraft and servicing capabilities that underpin UK transactional banking. The platform enables current accounts, savings products, accurate financial representation, reconciliation, reporting and controlled integration across Cards, Payments, Channels, Client Lifecycle, Finance, Risk, Operations and Data. 
• You will be accountable for the product vision, strategy, roadmap and measurable outcomes for the Bank's core banking capability. The role balances client outcomes, business priorities, regulatory obligations, financial control, operational resilience, platform sustainability and long term technology evolution. 
• This is a senior platform product role responsible for shaping the evolution of a critical banking capability. The role requires close partnership with Engineering, Architecture, Operations, Risk, Finance, Product, Compliance, Service Management and strategic technology partners to ensure the platform is secure, resilient, scalable, well governed and aligned to the Bank's strategic objectives. 

Key Responsibilities

As Leader and Product Owner, you will: 

• Define, own, and communicate the platform vision, strategy, roadmap, and measurable outcomes aligned with the Bank's strategic objectives. 
• Own the end-to-end product lifecycle, from discovery and prioritisation through delivery, adoption, and continual optimisation. 
• Establish and manage a value-driven product backlog, balancing customer value, commercial priorities, regulatory requirements, operational resilience, and technical debt
• Ensure product configuration and change governance is controlled, tested, documented and auditable, including changes to product setup, account rules, fees, interest, overdrafts, limits and servicing capabilities. 
• Maintain a strong focus on ledger integrity, accurate financial representation, reconciliation, reporting quality, auditability, data lineage and financial controls across all platform changes. 
• Translate business strategy into platform capabilities by working closely with Engineering, Architecture, Operations, Risk, Finance, Product, Compliance, Service Management and other consuming platforms. 
• Lead prioritisation and dependency management across Cards, Payments, Channels, Client Lifecycle, Finance, Risk, Operations, Reporting and Data, ensuring platform decisions are made with an enterprise view. 
• Lead Agile planning, product governance and delivery alignment across cross-functional teams, ensuring outcomes, risks, dependencies and decisions are visible and actively managed. 
• Define and monitor product success through KPIs, OKRs, client insights, service health, control metrics, operational outcomes and delivery metrics, using data to inform product decisions and investment priorities. 
• Drive platform modernisation through well governed APIs, resilient integration patterns, scalable configuration, automation and event driven capabilities where they improve speed, control, reliability, resilience or client outcomes. 
• Shape the long term evolution of the Core Banking Platform, ensuring product decisions support future modernisation, portability, sustainability and strategic technology transformation where required. 
• Identify and manage strategic risks, dependencies and delivery impediments, ensuring risks to client outcomes, regulatory obligations, financial control, operational resilience and business value are understood and addressed. 
• Manage strategic technology partner relationships, ensuring roadmap alignment, release awareness, platform constraints, support performance, escalation routes and value realisation are actively understood and managed. 
• Lead organisational change by communicating platform strategy, supporting business readiness and driving successful adoption of new capabilities across Product, Operations, Finance, Risk, Service and Technology teams. 
• Partner with Service Management, Operations, Engineering and Risk to improve platform health, service stability, supportability, incident learning, root cause remediation and continuous improvement. 
• Coach and mentor Product Owners, Business Analysts and platform SMEs, setting standards for discovery, prioritisation, backlog quality, governance, decision making, stakeholder engagement and value measurement. 
• Promote a strong culture of ownership, collaboration, accountability and continuous improvement across all jurisdictions (UK, SA, India).  

Qualifications, Experience and Skills

Experience & Skills 

• Significant experience in Product or Application Ownership within Financial Services or Banking, ideally with exposure to core banking, transactional banking, deposits, savings, current accounts or ledger based platforms. 
• Proven experience delivering large scale platform, core banking or transactional banking transformation initiatives in complex, regulated environments. 
• Strong understanding of core banking platforms, APIs, event-driven architecture, microservices, integration patterns, and modern technology platforms.  
• Experience with one or more modern core banking platforms such as Mambu, Finacle, Temenos, Thought Machine, Oracle FLEXCUBE or similar would be advantageous. 
• Strong understanding of account lifecycle, ledger movements, balances, interest, fees, overdrafts, limits, product configuration, financial representation and account servicing. 
• Strong Business Analysis capability, including business process modelling, data modelling, API specifications (Swagger/OpenAPI), and requirements management. 
• Experience delivering technology change within highly regulated environments. 
• Strong knowledge of Agile product delivery, product lifecycle management, DevSecOps, and continuous delivery practices. 
• Excellent communication, stakeholder management, negotiation, and influencing skills. 
• Demonstrated ability to lead cross-functional teams and manage complex dependencies within a matrix organisation. 
• Strong analytical, strategic thinking, and decision-making skills. 

Personal, Behavioural & Cultural Expectations 

• Client and colleague outcome focused, with a strong commitment to delivering measurable business value while maintaining control, resilience and service quality. 
• Demonstrates strategic thinking, sound judgement and resilience when managing ambiguity, complexity and competing priorities. 
• Builds trusted relationships through collaboration, emotional intelligence, transparency and effective communication. 
• Leads through influence, empowering teams and fostering accountability in a matrix environment. 
• Champions innovation, continuous improvement and a culture of learning and knowledge sharing. 
• Acts with integrity, professionalism and a strong commitment to governance, risk management, financial control and operational excellence. 
• Comfortable challenging the status quo while remaining pragmatic, delivery focused and commercially aware. 

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Description

• This role provides hands-on operational support to the P&O Operations and Payroll teams during the Oracle HCM implementation programme.
• The successful candidate will be an experienced HR Operations or Payroll professional who is comfortable working across both business-as-usual activities and project-related change initiatives. They will play a critical role in maintaining operational continuity, supporting data quality and payroll processes, and identifying opportunities to improve efficiency, controls and employee experience.
• This is a practical, delivery-focused role requiring someone willing to be involved in all aspects of operational support — from managing administrative tasks and resolving employee queries to supporting testing activities, data remediation and process improvements.

Key Responsibilities

HR Operations & Payroll Support

• Provide hands-on support across HR Operations and Payroll processes to ensure continuity of service during the Oracle HCM implementation.
• Process and coordinate day-to-day HR and payroll transactions accurately and within agreed service levels.
• Support employee lifecycle activities, including onboarding, employee changes and offboarding administration.
• Investigate and resolve payroll and HR operational queries in conjunction with payroll providers, HR colleagues and employees.
• Ensure data integrity across HR and payroll systems through accurate processing and ongoing validation.

Oracle Implementation & Data Support

• Support Oracle HCM implementation activities including data cleansing, validation, testing preparation and user acceptance testing.
• Perform reconciliations between legacy and new systems, identifying and resolving discrepancies.
• Track implementation issues and support remediation activities with relevant stakeholders.
• Assist with reporting, audit checks and data quality reviews throughout the implementation lifecycle.
• Identify inefficiencies, control gaps and process bottlenecks within HR Operations and Payroll processes.
• Recommend practical solutions to improve service delivery, accuracy and efficiency.
• Support the implementation of agreed process improvements and operational changes.
• Contribute to the development of standard operating procedures, process documentation and user guidance materials.
• Actively promote continuous improvement and operational excellence across the function.

Stakeholder Management

• Build effective working relationships across P&O, Payroll, Technology and external vendors.
• Coordinate information gathering and follow-up actions across multiple stakeholder groups.
• Communicate proactively on progress, risks and issues, escalating where required.

Qualifications, Experience and Skills

Experience

• Minimum 3–5 years' experience in HR Operations, Payroll Administration or HR Shared Services environments.
• Demonstrable experience managing HR operational processes and/or payroll activities in a medium-to-large organisation.
• Strong understanding of HR administration processes, employee lifecycle management and payroll controls.
• Experience working with HRIS platforms and data management activities.
• Proven ability to work with large volumes of employee and payroll data whilst maintaining a high level of accuracy.

 Advantageous Experience

• Experience supporting HR system implementation, upgrade or transformation programme.
• Oracle HCM experience.
• Experience participating in testing, data migration, process redesign or change initiatives.
• Exposure to regulated or governance-driven environments where accuracy and control are critical.

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Description

• This role is ideal for a proactive individual with a strong interest and experience in labour law and technology law, as this will be one of the role's primary areas of focus. The successful candidate will also be required to manage matters across the other portfolios listed below. The role offers meaningful opportunities for professional growth and the continued development of legal expertise.

Key Responsibilities

Focus on Labour Law

• Advise on labour related matters
• Assist in the scheduling and coordination of IT contractor agreements
• Maintain an organised database of contractor schedules and relevant documentation
• Assist with administering all relevant contractor processes

Other areas of speciality -

Advise on and negotiate third party agreements in the following portfolios:

• Digital and Technology
• Marketing
• Market Data
• Types of Agreements the successful candidate will be responsible for:
• NDAs
• Tech related agreements (AI, Cloud, Subscription, Statements of Work, POCs)
• Data Protection and Privacy
• Commercials agreements (purchase/sale) across portfolios.
• SLAs

 Qualifications, Experience and Skills

• Admitted attorney
• Commercial and/or labour litigation background
• Ability to demonstrate a reasonable understanding of the topical technologies or trends such as AI, crypto, APIs, and trademarks/copyright law
• Experience working with or managing external third parties in any demonstrable capacity (with third party risk management preferable)
• Strong commercial awareness, with the ability to quickly identify benefits and risks in a deal, transaction or proposal, apply sound legal judgement, and communicate clear advice to management and senior leadership
• Proven experience in reviewing, drafting and negotiating across a broad range of legal documents
• Strong personal organisation and time management skills, with the ability to manage competing priorities and meet deadlines
• Willingness to undertake administrative and repetitive tasks where required, with consistent attention to detail
• Ability to build and maintain strong, constructive relationships with internal stakeholders and third parties

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Main responsibilities:

• Executing all administrative duties relating to investments, including, but not limited to: client onboarding & account opening, investments, additions, payments, repurchases, switches and transfers, assisting with and effective resolution of all client queries
• Educating clients on technology and platforms available to them to improve their investment administration experience
• Gathering client information – internally and externally
• Working with external vendors/product providers and LISPs
• Researching products and competitors
• Completing of ad-hoc projects and attendance of relevant training courses and client meetings where required
• Preparing, printing & binding proposals and reviews 
• Pre-completing and formatting various documents
• Providing timely feedback within a compliance context on investment reviews, client remediation and client debtors book, and maintain meticulous client records 
• Initiating, facilitating & completing of platform transfer requests incl. Section 14, Section 37 & Section 42 transfers both in and out 
• Building and maintaining strong internal and external stakeholder relationships
• Problem-solving & troubleshooting to enhance clients' experience
• Efficient multi-tasking in terms of managing multiple transactions with different cut-off times and dates

Qualifications & Experience

• Relevant tertiary qualification is essential (Financial Planning/Investment Planning/B.Com) 
• Basic knowledge of tax and ability to analyse tax statements (upskill on the job if necessary)
• Basic knowledge of investment products, asset allocation and risk profiles (upskill on the job if necessary)
• 2-3 years financial planning or wealth management experience advantageous
• MS Office Suite, Advanced Excel would be advantageous

Personal attributes and other requirements:

• Ultra-high net worth client service orientation
• Excellent verbal and written communication skills 
• Entrepreneurial mindset, self-starter, independent thinker
• Ability to work independently as well as within a team
• Open to learning and challenging, sharing best practices and knowledge with team
• Effective time-management, planning & organisational skills, ability to prioritise & multi-task
• Work beyond traditional work hours if required
• Ability to work effectively under pressure, tenacious temperament
• High attention to detail 
• Well-presented and confident
• Strong work ethic & pride in work, honesty & integrity
• Can-do problem solving attitude
• Solution-driven as opposed to task-driven
• Break China for clients & demonstrate cast-iron integrity, resulting in doing right by clients at every opportunity
• Insights, interpersonal skills & meticulous planning to maintain the standard expected by Investec's ultra-high net worth clients
• Commitment to teamwork & positive influence on the team whilst fostering a culture of diversity & inclusion

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Main responsibilities:

• Executing all administrative duties relating to investments, including, but not limited to: client onboarding & account opening, investments, additions, payments, repurchases, switches and transfers, assisting with and effective resolution of all client queries
• Educating clients on technology and platforms available to them to improve their investment administration experience
• Gathering client information – internally and externally
• Working with external vendors/product providers and LISPs
• Researching products and competitors
• Completing of ad-hoc projects and attendance of relevant training courses and client meetings where required
• Preparing, printing & binding proposals and reviews 
• Pre-completing and formatting various documents
• Providing timely feedback within a compliance context on investment reviews, client remediation and client debtors book, and maintain meticulous client records 
• Initiating, facilitating & completing of platform transfer requests incl. Section 14, Section 37 & Section 42 transfers both in and out 
• Building and maintaining strong internal and external stakeholder relationships
• Problem-solving & troubleshooting to enhance clients' experience
• Efficient multi-tasking in terms of managing multiple transactions with different cut-off times and dates

Qualifications & Experience

• Relevant tertiary qualification is essential (Financial Planning/Investment Planning/B.Com) 
• Basic knowledge of tax and ability to analyse tax statements (upskill on the job if necessary)
• Basic knowledge of investment products, asset allocation and risk profiles (upskill on the job if necessary)
• 2-3 years financial planning or wealth management experience advantageous
• MS Office Suite, Advanced Excel would be advantageous

Personal attributes and other requirements:

• Ultra-high net worth client service orientation
• Excellent verbal and written communication skills 
• Entrepreneurial mindset, self-starter, independent thinker
• Ability to work independently as well as within a team
• Open to learning and challenging, sharing best practices and knowledge with team
• Effective time-management, planning & organisational skills, ability to prioritise & multi-task
• Work beyond traditional work hours if required
• Ability to work effectively under pressure, tenacious temperament
• High attention to detail 
• Well-presented and confident
• Strong work ethic & pride in work, honesty & integrity
• Can-do problem solving attitude
• Solution-driven as opposed to task-driven
• Break China for clients & demonstrate cast-iron integrity, resulting in doing right by clients at every opportunity
• Insights, interpersonal skills & meticulous planning to maintain the standard expected by Investec's ultra-high net worth clients
• Commitment to teamwork & positive influence on the team whilst fostering a culture of diversity & inclusion

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Description

• The Portfolio Consultant (Credit Manager) partners with the Relationship Manager as part of a deal team to support the growth of the Business and Commercial Banking (BCB) portfolio while ensuring effective credit risk management. The role is responsible for assessing, structuring, and progressing credit opportunities, facility requests, and portfolio-related matters through the credit approval process in a timely, commercial, and risk-conscious manner. Working closely with Credit Analysts, AFIC, and other risk teams, the Credit Manager serves as the first line of credit assessment and risk mitigation, balancing sustainable portfolio growth with sound credit practices.

Responsibilities

• The team is responsible for preparing credit applications relating to facility increases, amendments, covenant breaches, and periodic facility reviews. Support is also provided to the Recoveries team in managing clients experiencing financial distress where required.
• These activities culminate in the development of well-considered credit recommendations, documented in comprehensive credit papers and presented to the relevant Credit Committee, in collaboration with key stakeholders across Credit, Operations, Compliance, and the broader business.
• The specific functions that will be performed as part of this role include –
• Conduct detailed credit assessments, incorporating financial, operational, collateral, shareholder, and industry analysis.
• Prepare and submit high-quality credit papers for facility increases, amendments, reviews, covenant breaches, and other credit-related requests.
• Present and defend credit recommendations to Business & Commercial Banking (BCB) and Group Credit Committees.
• Partner with Relationship Managers to jointly manage client portfolios, supporting client engagement, credit monitoring, and identifying growth opportunities.
• Support the origination and onboarding of new clients into the BCB portfolio.
• Proactively identify signs of client financial distress, escalate concerns appropriately, and support recovery and restructuring efforts where required.
• Ensure compliance with BCB and Group credit policies, procedures, governance requirements, and reporting standards.
• Collaborate with Credit, Risk, Compliance, Operations, and other stakeholders to effectively manage credit risk and deliver on business objectives.
• Balance commercial objectives with prudent risk management by providing practical and commercially sound credit solutions.
• Build and maintain relationships with key stakeholders, including Portfolio Managers, Credit Analysts, senior business leaders, and clients.
• Engage confidently with clients at executive level, including CEOs and CFOs, and navigate complex negotiations and challenging discussions.
• Conduct client visits to strengthen relationships, assess business performance, and gain deeper insight into credit risk profiles.
• Clearly communicate complex credit and commercial matters through concise written recommendations and stakeholder presentations.
• Work independently while contributing effectively within a broader credit and deal team environment.

Qualifications, Experience and Skills

• Minimum of a BCom degree in Finance, Accounting, or a related field, with a postgraduate qualification considered advantageous.
• Minimum 3+ years' experience in lending, credit analysis, or credit risk assessment within a commercial or corporate banking environment.
• Strong understanding of commercial and corporate banking products and lending structures, including Trade and Import Finance, Transactional Banking and Overdrafts, Borrowing Base Facilities, Term Lending, and Asset Finance.
• Sound knowledge of credit principles, lending processes, systems, and risk assessment methodologies.
• Strong analytical capability with the ability to interpret financial statements, IFRS reporting, and key financial performance indicators.
• Demonstrated ability to conduct comprehensive financial, industry, and operational analysis to assess creditworthiness and identify key risks.
• Strong financial modelling and forecasting skills, including the ability to develop cash flow forecasts and critically evaluate underlying assumptions.
• Understanding of industry dynamics and macroeconomic factors that influence client performance and credit risk.
• Working knowledge of commercial legal principles, including insolvency, collateral structures, security arrangements, tax considerations, and complex deal structuring.
• Understanding of Basel regulations and AIRB capital frameworks.
• Knowledge of CGIC insurance cover and its application within credit structures.
• Experience supporting clients in sectors such as Mining, Construction, Transportation, Fleet Rental, Aviation, and Agriculture would be advantageous.
• Advanced proficiency in Microsoft Excel and PowerPoint.
• Strong stakeholder management skills, with the ability to engage credibly with senior decision-makers, including Financial Managers, Finance Directors, and Chief Executive Officers.
• Excellent presentation skills, including experience presenting and defending credit recommendations at Credit Committee level.
• Strong written and verbal communication skills, with the ability to articulate complex transactions and credit considerations clearly, concisely, and persuasively.

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Description

• The Portfolio Consultant (Credit Manager) partners with the Relationship Manager as part of a deal team to support the growth of the Business and Commercial Banking (BCB) portfolio while ensuring effective credit risk management. The role is responsible for assessing, structuring, and progressing credit opportunities, facility requests, and portfolio-related matters through the credit approval process in a timely, commercial, and risk-conscious manner. Working closely with Credit Analysts, AFIC, and other risk teams, the Credit Manager serves as the first line of credit assessment and risk mitigation, balancing sustainable portfolio growth with sound credit practices.

Responsibilities

• The team is responsible for preparing credit applications relating to facility increases, amendments, covenant breaches, and periodic facility reviews. Support is also provided to the Recoveries team in managing clients experiencing financial distress where required.
• These activities culminate in the development of well-considered credit recommendations, documented in comprehensive credit papers and presented to the relevant Credit Committee, in collaboration with key stakeholders across Credit, Operations, Compliance, and the broader business.
• The specific functions that will be performed as part of this role include –
• Conduct detailed credit assessments, incorporating financial, operational, collateral, shareholder, and industry analysis.
• Prepare and submit high-quality credit papers for facility increases, amendments, reviews, covenant breaches, and other credit-related requests.
• Present and defend credit recommendations to Business & Commercial Banking (BCB) and Group Credit Committees.
• Partner with Relationship Managers to jointly manage client portfolios, supporting client engagement, credit monitoring, and identifying growth opportunities.
• Support the origination and onboarding of new clients into the BCB portfolio.
• Proactively identify signs of client financial distress, escalate concerns appropriately, and support recovery and restructuring efforts where required.
• Ensure compliance with BCB and Group credit policies, procedures, governance requirements, and reporting standards.
• Collaborate with Credit, Risk, Compliance, Operations, and other stakeholders to effectively manage credit risk and deliver on business objectives.
• Balance commercial objectives with prudent risk management by providing practical and commercially sound credit solutions.
• Build and maintain relationships with key stakeholders, including Portfolio Managers, Credit Analysts, senior business leaders, and clients.
• Engage confidently with clients at executive level, including CEOs and CFOs, and navigate complex negotiations and challenging discussions.
• Conduct client visits to strengthen relationships, assess business performance, and gain deeper insight into credit risk profiles.
• Clearly communicate complex credit and commercial matters through concise written recommendations and stakeholder presentations.
• Work independently while contributing effectively within a broader credit and deal team environment.

Qualifications, Experience and Skills

• Minimum of a BCom degree in Finance, Accounting, or a related field, with a postgraduate qualification considered advantageous.
• Minimum 3+ years' experience in lending, credit analysis, or credit risk assessment within a commercial or corporate banking environment.
• Strong understanding of commercial and corporate banking products and lending structures, including Trade and Import Finance, Transactional Banking and Overdrafts, Borrowing Base Facilities, Term Lending, and Asset Finance.
• Sound knowledge of credit principles, lending processes, systems, and risk assessment methodologies.
• Strong analytical capability with the ability to interpret financial statements, IFRS reporting, and key financial performance indicators.
• Demonstrated ability to conduct comprehensive financial, industry, and operational analysis to assess creditworthiness and identify key risks.
• Strong financial modelling and forecasting skills, including the ability to develop cash flow forecasts and critically evaluate underlying assumptions.
• Understanding of industry dynamics and macroeconomic factors that influence client performance and credit risk.
• Working knowledge of commercial legal principles, including insolvency, collateral structures, security arrangements, tax considerations, and complex deal structuring.
• Understanding of Basel regulations and AIRB capital frameworks.
• Knowledge of CGIC insurance cover and its application within credit structures.
• Experience supporting clients in sectors such as Mining, Construction, Transportation, Fleet Rental, Aviation, and Agriculture would be advantageous.
• Advanced proficiency in Microsoft Excel and PowerPoint.
• Strong stakeholder management skills, with the ability to engage credibly with senior decision-makers, including Financial Managers, Finance Directors, and Chief Executive Officers.
• Excellent presentation skills, including experience presenting and defending credit recommendations at Credit Committee level.
• Strong written and verbal communication skills, with the ability to articulate complex transactions and credit considerations clearly, concisely, and persuasively.