Job Description

Company Description

Standard Bank Group is a leading Africa-focused financial services group, and an innovative player on the global stage, that offers a variety of career-enhancing opportunities - plus the chance to work alongside some of the sector's most talented, motivated professionals. Our clients range from individuals, to businesses of all sizes, high net worth families and large multinational corporates and institutions. We're passionate about creating growth in Africa. Bringing true, meaningful value to our clients and the communities we serve and creating a real sense of purpose for you.



Assessment and evaluation of lending applications for business clients in the Growth Segment 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. This will include the spectrum of lending products available to the business clients which will include agricultural lending. Support coverage partners in understanding and meeting client lending needs.

The jobholder may operate in one or more of the client segments as required by business needs.

Qualifications

Minimum Qualifications
Type of Qualification: First Degree
Field of Study: Business Commerce

Experience Required

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

Behavioural Competencies:

• Analysing Solutions
• Making Decisions
• Developing Relationships
• Coping with Pressure
• Taking Action
• Team Working

Technical Competencies:

• Computer Literacy
• Risk Principles
• Legal Principles - Collateral
• Credit Granting
• Credit Process
• Risk Management

Please note: All our recruitment processes comply with the applicable local laws and regulations.

We will never ask for money or any form of payment as part of our recruitment process. If you experience this, please contact our Fraud line on +27 800222050 or

Standard Bank