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