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.

To drive the provision of adequate Credit Risk controls for individuals as well as complex business entities across the three main business streams: BCC, CHNW and Wholesale, focusing on risks encountered in the post-credit granting stage of the lending process by ensuring the appropriateness, applicability, consistency, validity, and enforceability of all collateral and confirming that collateral are in legal order and properly housed, to secure assets in order to mitigate credit risks.

Type of Qualification: First Degree
Field of Study: Banking
Type of Qualification: First Degree
Field of Study: Legal

Experience Required
Credit Risk – BCB
Risk & Corporate Affairs
1-2 years
Experience with home loans and lending will be beneficial in this role.

1-2 years
Personal and Business banking will provide holistic exposure regarding credit risks, lending and associated collateral. Preferable to have banking experience, particularly pertaining to banking processes with regard to collateral documentation and the operation thereof.

5-7 years
Understand the bank's products & facilities, terms, & the associated terms & conditions in the facility life cycle to ensure that legal risk is effectively restricted. Knowledge of legislative requirements, such as credit agreements, loan documentation, & the variety of lending mechanisms & types of collateral that may be used. Exposure to registration processes & internal controls & processes, specifically relating to the drafting, execution, management & custody of collateral documentation.

Behavioural Competencies:

• Adopting Practical Approaches
• Challenging Ideas
• Convincing People
• Developing Expertise
• Developing Strategies
• Examining Information
• Exploring Possibilities
• Making Decisions
• Providing Insights
• Resolving Conflict
• Understanding People
• Upholding Standards

Technical Competencies:

• Asset Based Lending
• Contract Management
• Loan Assessment & Approval
• Loan Processing
• Mortgage Lending
• Risk Acceptance
• Risk Identification
• Risk Measurement