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 ensure that the Bank’s need to provide adequate controls over the risks encountered in the pre and post credit granting stage of the credit process are satisfied by verifying key documents and maintaining tight control over approved running facilities, warehousing inspection and monitoring key distributors in line with approved parameters.

Type of Qualification: First Degree
Field of Study: Banking & Finance, Business Administration, Legal or a related field

Experience Required
Credit Risk – BCB
Risk & Corporate Affairs
1-2 years
Experience with home loans and lending will be beneficial in this role. Preferable to have banking experience, particularly pertaining to banking processes with regard to collateral documentation and the operation thereof.

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.

3-4 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.

Personal Competencies:

• Methodical; must be able to prioritize
• Attention to detail; thorough, particular and accurate
• Analytical; good numerical ability
• Initiative; ability to act with no supervision  
• Resilience; ability to stand ground when being challenged.
• Integrity; maintaining a high level of trust.
• Written communication; correspondence to be articulated in a logical, well structured and user-friendly manner.
• Energetic and with sound decision skills
• Must be able to work under pressure, handle pressure/conflict and remain focused.
• Verbal communication. Convey facts, ideas and opinions clearly to others.
• Socially sensitive; understand internal and external customers and adapt social behaviour accordingly

Technical Competencies:

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