Manager, Credit Evaluation, Enterprise Banking
Full Time
2 weeks ago
Employment Information
Job Responsibilities
- Provides professional service to business units by reviewing and evaluating credit facilities based on sound credit and financial principles while minimizing bank risk
- Digitizes and re-engineers credit by supporting strategic initiatives and tactical solutions to improve procedures processes and systems
- Ensures proposals meet business standards and credit risk limits approves and suggests appropriate loan facilities including terms and conditions
- Leads efforts to use scoring for credit application decisions with reduced guesswork
- Identifies measures and rates risk sources in terms of business plan profitability and loan repayment ability through probing
- Uses industry risk analysis to evaluate hazards to current and future clients
- Ensures timely and careful credit assessments and decisions
- Encourages adoption of prescored loans
- Builds relationships with business and credit stakeholders to enhance lending requests and expedite credit delivery
Requirements
| Category | Details |
|---|---|
| Education | First degree in Finance Accounting Statistics Math or Data Science |
| Experience | 5 to 7 years of banking experience in credit risk management and banking operations including banking products |
| Knowledge | Deep understanding of management and financial accounting to assess client finances and identify strengths weaknesses and risks in credit proposals |
| System Skills | Thorough understanding of operating systems to analyze client account behavior identify credit risk profile changes and manage excesses |
| Product Knowledge | Full understanding of Bank product facilities creating counterparty credit risk including their operations and profitability for client and Bank |
Skills
| Category | Details |
|---|---|
| Behavioral Skills | Compiling information Questioning ideas Showing self confidence Persuading others Giving directions Analyzing information Exploring options |
| Technical Skills | Understanding customers in Business and Consumer Banking Analytical thinking Numeracy Financial understanding Process governance Risk identification Risk and reward thinking |
Fraud Notice
Hiring processes follow local laws and regulations Standard Bank never requests money or payments during hiring Report fraud to +27 800222050 or TransactionFraudOpsSA@standardbank.co.za
Contact Information
- General inquiries Contact Standard Bank
- Press and media contacts Available
- Investor relations contacts Available
- Report misconduct Contact Standard Bank
Standard Bank is a licensed financial services provider under the Financial Advisory and Intermediary Services Act and a registered credit provider under the National Credit Act registration number NCRCP15
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Skills
Credit analysis
Excel Advanced
Auditing
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